Travel Credit Cards
Pack for fee-free purchases worldwide
Representative 24.9% APR (variable)
Check your eligibility
Make spending abroad a breeze
Fee-free purchases abroad
Wave goodbye to foreign exchange fees worldwide with our Travel and Everyday Cashback Credit Cards. Because drinks by the pool taste better when you buy them fee-free, cheers!
For the jet-setters
You can use your card at millions of retailers across the globe, wherever you see the Mastercard logo. Simple!
Pick your perfect travel companion
Everyday Cashback and Travel Credit Cards come with different perks. Pick the one that suits you best:
Everyday Cashback Credit Card
- Spend fee-free worldwide with no foreign exchange fees.
- Earn 1% cashback on spending for the first 90 days from account opening. 0.25% cashback after that. Up to £15 cashback a month.*
- The Everyday Cashback you earn is deducted from your credit card balance on a monthly basis.
Travel Credit Card
- Spend fee-free worldwide with no foreign exchange fees.
- 0% interest on purchases for 9 months at home and abroad from account opening. Sweet!
- Handy 0% balance and money transfers for 9 months. Fees apply.
Representative example
Purchase rateThe purchase rate is the interest rate we will charge on any purchases you make with your Virgin Money Credit Card. When you open your account you may be offered a purchase rate. After that, we'll increase it to the rate shown here.
24.9% p.a.
(variable) on card purchases
Equivalent toAPR stands for Annual Percentage Rate. It is made up of the standard interest rate on purchases, outside olf any promotional rate, along with any other charges you may have to pay. You can use this rate to compare different credit cards.
24.9% APR
representative (variable)
Based on borrowing
£1,200
UK lenders use £1,200 to make comparing cards easier. It doesn't reflect the credit limit we'd offer you.
Credit subject to status, for UK residents aged 18 and over.
You’ll need to make your minimum payment when it’s due. If we do not receive the minimum payment when it’s due we will withdraw the promotional rate with effect from the start of that statement period.
When a promotional rate ends or is withdrawn, we charge the current standard interest rate that applies to that transaction.
You cannot transfer a balance from another Virgin Money Credit Card. You should not use your card to repay other borrowing from Virgin Money.
Check your eligibility
Before you apply, use our card checker
- know your chances of being accepted
- it only takes a few minutes
- it won't affect your credit score
To manage your card, you'll need the Virgin Money Credit Card app.
Check your eligibilityQuestions about the Everyday Cashback Credit Card
Cashback credit cards reward you with a set percentage of money back on every pound spent. A limit on the amount you can earn normally applies. You may also earn extra cashback when you shop with specific retailers.
Cashback cards are all slightly different. Some allow you to earn cashback in the UK only and others allow it on spending worldwide. Your cashback may be paid monthly or annually. It may be paid into your account or deducted from the amount you owe. Some cards charge an annual fee and others are fee-free.
As with any credit card, it's important to choose a cashback credit card that's right for you.
A cashback credit card can be a good option if you're looking to earn money while you spend. Used carefully, a cashback credit card can help to build your credit score. As with other types of credit card, this means keeping up to date with your payments and staying within your credit limit.
Our Everyday Cashback Credit Card also let's you spend fee-free worldwide, with no foreign exchange fees. It's a great option for your next trip if you'd like to earn cashback, while spending abroad.
A cashback credit card may not be right for you if you're looking for balance transfers, money transfers, introductory or promotional rates. With these options, there are other cards that could be better for you.
There are two types of fees you might be charged when you use your card abroad.
A foreign exchange fee
Our Everyday Cashback Credit Card lets you spend fee-free worldwide, with no foreign exchange fees. This is a currency conversion fee charged to cover the cost of converting a payment from a foreign currency into British Pounds. It is sometimes referred to as a non-sterling transaction fee.
A cash advance fee
When you withdraw money from your credit card or buy foreign currency you'll be charged a cash advance fee. This fee always applies even if you're in the UK. Our Everyday Cashback Credit Card has a 5% cash advance fee.
A cash advance fee applies to other types of transactions. See what transactions apply
Find out more about the Everyday Cashback Credit Card
Questions about the Travel Credit Card
A travel credit card makes spending abroad cheaper and easier. It works like a standard credit card, but with some handy extras. For example, you'll pay no foreign exchange fees when you make purchases worldwide.
Our Travel Credit Card could be a good option if you're looking to make purchases abroad. Especially if you travel regularly.
It comes with 0% interest on purchases for 9 months. This could be helpful for paying back the cost of your holiday and could save you money on interest. You can also spend fee-free worldwide, with no foreign exchange fees.
There are two types of fees you might be charged when you use your card abroad
A foreign exchange fee
Our Travel Credit card lets you spend fee-free worldwide, with no foreign exchange fees. This is a currency conversion fee charged to cover the cost of converting a payment from a foreign currency into British Pounds. It is sometimes referred to as a non-sterling transaction fee.
A cash advance fee
When you withdraw money from your credit card or buy foreign currency you'll be charged a cash advance fee. This fee always applies even if you're in the UK. Our Travel Card has a 3% cash advance fee.
A cash advance fee applies to other types of transactions. See what transactions apply.
The legal bits
Time to give your scrolly finger a workout
You’ll need to make your minimum payment when it’s due. If we do not receive the minimum payment when it’s due, we will withdraw the promotional rate with effect from the start of that statement period.
When a promotional rate ends or is withdrawn, we charge the current standard interest rate that applies to that transaction.
You will not be able to transfer a balance from another Virgin Money, Clydesdale Bank, Yorkshire Bank or B credit card and you should not use your card to repay other borrowing from Clydesdale Bank plc.
When you apply for a credit card, we check your credit report to ensure we are lending responsibly. This check stays on your credit report. It may be used by other providers to decide whether to offer you their lending products.
Calls are charged at your service provider’s prevailing rate and may be monitored and recorded.
The Virgin Money Credit Card is issued by Clydesdale Bank PLC (trading as Virgin Money). Registered in Scotland (Company No. SC001111). Registered Office: 177 Bothwell Street, Glasgow, G2 7ER. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Your guide to using your credit card abroad
Check out our handy guide on everything you need to know about using your credit card abroad before your next getaway.