Virgin Money Travel Credit Card review

The Virgin Money Travel Credit Card is issued on the Mastercard network, so it's accepted at more than 50 million merchant locations across more than 210 countries and territories.

How does it compare?

Virgin Money's card

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Name	Product UKCCF	Finder Score	Foreign transaction fee	Foreign cash transaction fee	Interest-free days on foreign transactions	Interest-free days on foreign cash transactions	Incentive	Representative example	Link
Virgin Money Travel Credit Card Finder Award		4.5 ★★★★★	0%	3%	Up to 50 days	0 days	Enjoy exclusive offers and rewards on the Virgin Red app.	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	View details Compare	loading Fetching your data...

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Other popular cards for overseas spending

Table: sorted by representative APR, promoted deals first

1 - 20 of 24

Updated daily

Name	Product UKCCF	Finder Score	Foreign transaction fee	Foreign cash transaction fee	Interest-free days on foreign transactions	Interest-free days on foreign cash transactions	Incentive	Representative example	Link
Santander All in One Credit Card		4.4 ★★★★★	0%	3% (min. £3)	Up to 56 days	0 days	0.5% after £1 of monthly spend. Maximum of £10 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).	Check eligibility View details Compare	loading Fetching your data...
Yonder Credit Card Finder Award		4.5 ★★★★★	0%	0%	0 days	0 days	First month free for new members, £15 p/m thereafter. Plus, 10,000 bonus points. Earn 5 points per £1 spent and up to 25 points per £1 at selected partners. Membership includes worldwide travel insurance, no FX fees and use your points towards any flight.	Representative example: When you spend £1,200 at a purchase rate of 29.94% (variable) p.a. with a fee of £15 per month, your representative rate is 66.7% APR (variable).	Check eligibility View details Compare	loading Fetching your data...
118 118 Money Guaranteed Rate Card		3.8 ★★★★★	0%	5%	Up to 51 days	Up to 51 days		Representative example: When you spend £1,200 at a purchase rate of 49% (variable) p.a., your representative rate is 49% APR (variable).	Check eligibility View details Compare	loading Fetching your data...
Yonder 'No Fee' Credit Card Finder Award		4.0 ★★★★★	0%	0%	0 days	0 days		Representative example: When you spend £1,200 at a purchase rate of 32.9% (variable) p.a., your representative rate is 32.9% APR (variable).	Check eligibility View details Compare	loading Fetching your data...
Santander Edge Credit Card Mastercard		4.5 ★★★★★	0%	3% (min. £3)	0 days	0 days	2% after £1 of monthly spend in first year, then 1%. Maximum of £15 cashback paid per month.	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).	View details Compare	loading Fetching your data...
The Royal Bank Credit Card		4.6 ★★★★★	0%	3% (min. £3)	Up to 56 days	0 days		Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).	View details Compare	loading Fetching your data...
NatWest Credit Card		4.7 ★★★★★	0%	3% (min. £3)	Up to 56 days	0 days		Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).	View details Compare	loading Fetching your data...
Royal Bank of Scotland Reward Black Credit Card		4.0 ★★★★★	0%	3% (min. £3)	Up to 56 days	0 days	Earn 1% back at supermarkets and 0.5% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 40.7% APR (variable).	View details Compare	loading Fetching your data...
NatWest Reward Black Credit Card		4.3 ★★★★★	0%	3% (min. £3)	Up to 56 days	0 days	You'll earn 1% back at supermarkets and 0.5% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: Year 2 onwards - £0 per annum, your representative rate is 40.7% APR (variable).	View details Compare	loading Fetching your data...
The Ulster Bank Credit Card Mastercard		4.7 ★★★★★	0%	3% (min. £3)	Up to 56 days	0 days		Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).	View details Compare	loading Fetching your data...
Nationwide Member Credit Card Balance Transfer Additional account needed		4.4 ★★★★★	0%	2.5% (min. £3)	Up to 56 days	0 days		Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	View details Compare	loading Fetching your data...
Nationwide Member Credit Card All Rounder Additional account needed		4.4 ★★★★★	0%	2.5% (min. £3)	Up to 56 days	0 days		Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	View details Compare	loading Fetching your data...
Halifax Clarity Credit Card Mastercard		4.5 ★★★★★	0%	0%	Up to 56 days	0 days		Representative example: When you spend £1,200 at a purchase rate of 23.94% (variable) p.a., your representative rate is 23.9% APR (variable).	View details Compare	loading Fetching your data...
Virgin Money Travel Credit Card Finder Award		4.5 ★★★★★	0%	3%	Up to 50 days	0 days	Enjoy exclusive offers and rewards on the Virgin Red app.	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	View details Compare	loading Fetching your data...
Barclaycard Rewards Visa		4.3 ★★★★★	0%	0%	Up to 56 days	Up to 56 days	0.25% after £1 of yearly spend. Cashback paid On request into Card Account. Cashback paid annually or on request. Maximum spend for cashback purposes is limited to credit limit.	Representative example: When you spend £1,200 at a purchase rate of 28.9% (variable) p.a., your representative rate is 28.9% APR (variable).	View details Compare	loading Fetching your data...
Bip Credit Card Mastercard		4.0 ★★★★★	0%	0%	Up to 48 days	0 days		Representative example: When you spend £1,200 at a purchase rate of 29.95% (variable) p.a., your representative rate is 29.9% APR (variable).	View details Compare	loading Fetching your data...
Zopa Credit Card Visa		4.3 ★★★★★	0%	0%	Up to 56 days	0 days		Representative example: When you spend £1,200 at a purchase rate of 34.9% (variable) p.a., your representative rate is 34.9% APR (variable).	View details Compare	loading Fetching your data...
Tesco Bank Clubcard Plus Credit Card Mastercard Finder Award		4.6 ★★★★★	0%	3.99% (min. £3)	Up to 56 days	0 days	5 points per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.	Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a. with a fee of £7.99 per month, your representative rate is 37.7% APR (variable).	View details Compare	loading Fetching your data...
Santander World Elite Mastercard Additional account needed		4.4 ★★★★★	0%	3% (min. £3)	Up to 56 days	0 days	0.5% on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.0.5% cashback on monthly spend of up to £3,000. Access to over 1 million Wi-Fi hotspots, no foreign transaction fees, discount on travel insurance.	Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).	View details Compare	loading Fetching your data...
Monzo Flex Additional account needed		3.9 ★★★★★	0%		0 days	0 days		Representative example: When you spend £1,200 at a purchase rate of 29% (variable) p.a., your representative rate is 29% APR (variable).	Go to site View details Compare	loading Fetching your data...

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Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Moneyfacts.

Repayment options

You can make manual repayments through Virgin Money's app by logging in to your online banking or over the phone (0800 389 2875). Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (£12) or losing any promotional rates as a result.

You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

How to apply

If you've compared cards and settled on the Virgin Money Travel Credit Card, completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you'll need to make the process as straightforward as possible.

Frequently asked questions