Virgin Balance Transfer Card

The long 39 month Virgin balance transfer card is now no longer available to new customers. This Virgin balance transfer card was withdrawn from the UK credit card market on 23rd October 2017.

Virgin Money have now withdrawn both of their 41 month and 39 month long balance transfer cards from the market.

The number of balance transfer credit cards have reduced over recent months as the UK credit card companies have either removed their longest balance transfer cards all together, or reduced the length of the introductory 0% balance transfer offer.

Virgin Balance Transfer Credit Card – Existing Customers

Virgin credit card existing customers were not eligible for these long Virgin 0% balance transfer offers.

Virgin Money like many other credit card companies does not allow existing Virgin credit card customers to make a balance transfer to another Virgin Money credit card.

There are however, a number of alternative 0% balance transfer credit cards with long balance transfer offers or lower fees, that are currently available to Virgin credit card existing customers. These include all of the following popular featured 0% balance transfer credit cards:-

Card Offers

Sainsbury’s Balance Transfer

Balance Transfers:

0% for up to 29 Months

Balance Transfer Fee:

2.74%

Purchases:

0% for 3 Months

Representative APR:

19.9% APR (variable)

Card Details

Sainsbury’s Balance Transfer

• 0% interest on balance transfers for up to 29 months
• 3% initial balance transfer fee (minimum £3) reduced to 2.74% by refund in first 3 months
• 0% interest on purchases for your first 3 months
• Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
• Collect 1 Nectar point for every £5 spent on your card elsewhere
• Online account management
• Annual Fee: None

Application Criteria

Sainsbury’s Balance Transfer

• You have a permanent UK address
• You have not been declined for credit in the last month
• You do not have a history of bad credit
• You are aged 18 or over

Card Offers

NatWest Longer Balance Transfer

Balance Transfers:

0% for 28 Months

Balance Transfer Fee:

2.75%

Purchases:

0% for 3 Months

Representative APR:

19.9% APR (variable)

Card Details

NatWest Longer Balance Transfer

• 0% on balance transfers for 28 months from account opening
• 2.75% balance transfer fee
• 0% on purchases for first 3 months from account opening
• Lock and unlock your credit card in app
• Manage your card 24/7 online and by telephone banking
• Annual Fee: None

Application Criteria

NatWest Longer Balance Transfer

• You are a NatWest customer
• You are a UK resident
• You are earning at least £10,000 per year
• You are aged 18 or over

Card Offers

Santander All in One

Balance Transfers:

0% for 26 Month

Balance Transfer Fee:

0%

Purchases:

0% for 26 Months

Representative APR:

21.7% APR (variable)

Card Details

Santander All in One

• 0% interest on balance transfers for 26 month from date account opened
• 0% balance transfer fee
• 0% interest on purchases for 26 month from date account opened
• 0.5% cashback on all of your purchases
• No foreign transaction fee on purchases made abroad in local currency
• Cashback through Retailer Offers
• Monthly Fee: £3

Application Criteria

Santander All in One

• You are a permanent UK resident
• You have a good credit history with no history of bad credit
• You have an income of £7,500 per year or more
• You are at least 18 years of age

Card Offers

TSB Platinum Purchase

Balance Transfers:

0% for up to 20 Months

Balance Transfer Fee:

2.95%

Purchases:

0% for up to 20 Months

Representative APR:

19.9% APR (variable)

Card Details

TSB Platinum Purchase

• 0% interest for up to the first 20 months on balances transferred within first 90 days
• 2.95% balance transfer fee during first 90 days, 3% fee applies afer 90 days
• 0% interest on purchases for up to the first 20 months
• Internet fraud protection and Clicksafe
• Online card servicing
• Annual Fee: None

Application Criteria

TSB Platinum Purchase

• You are an existing TSB customer
• You are not currently declared bankrupt, have CCJs or subject to IVA
• You have a good credit rating and regular income
• You are a UK resident
• You are aged 18 or over

Virgin Balance Transfer

This Virgin balance transfer card did have an offer of 0% for 6 months on balance transfers with a lower 3% balance transfer fee in first 60 days, 5% fee applies after 60 days and a representative 22.9% APR variable. Balance transfers had to be made within the first 60 days to receive promotional offer. The Virgin balance transfer card had also offered 0% for 6 months on purchases.

The Virgin balance transfer card, like an increasing number of credit cards today such as the HSBC balance transfer card, did also includes the new contactless payments facility that allows a cardholder to pay for purchases of £30 or less without having to key in their PIN number.

The Virgin balance transfer card did come with a number of offers across the Virgin Group including 5% off Virgin holidays and Virgin cruises, 10% off selected advance fares on Virgin trains and 30% off Virgin balloon flights.

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