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Dear <%user.firstname%> , the Virgin credit card has the longest 0% offer on the market, with 0% on balance transfers for 16 months, and 0% on purchases for 3 months. We think it’s the market leading balance transfer card.

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TotallyMoney Recommends
  Virgin Money Card
 
16.6% APR Typical (Variable)
 
Virgin Money Card


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We think the Virgin card is currently the best credit card in the UK. It offers the longest 0% period on balance transfers on the market, with up to 16 months interest free. It also has a competitive 3 month 0% period for new purchases and a reasonable typical APR. You can also use the card to get discounts on a range of other Virgin products, such as Virgin Holidays and Virgin Media.

It’s important to bear in mind that credit is much harder to come by than it was in ‘pre-crunch’ days. As a result, you’ll need to have a strong credit score to quality for the Virgin card. This typically means that you’ll be a homeowner, in full time employment and earning over £20,000 per year.
Weaker credit profile?
If your credit profile is weaker, there might be other cards that are more suitable. There are a handful of cards that typically have higher acceptance rates and more flexible criteria – you’re more likely to be accepted here if you have a weaker credit score.
These cards can also help you strengthen your credit profile – after all, the best way to do this build a strong credit rating is to spend on a card and repay it on time. Click here to see cards with more flexible acceptance criteria

Steven McNicholas, Head of Credit Cards

Another great card for balance transfers:
Barclaycard Platinum Barclaycard Platinum
0% on Balance Transfers
for 12 months
0% on Purchases
for 3 months
12.4% APR²
Typical
(Variable)
A great card for weaker credit profiles:
Capital One Classic Card Capital One Classic
Can help you improve your credit profile. We think it’s ideal if you have a weaker credit rating.
34.9% APR³
Typical
(Variable)

About Us    FAQs    Terms and Conditions    Privacy Policy    Disclaimer   

1. See the Virgin website for full terms and conditions.
2. See the Barclaycard website for full terms and conditions.
3. See the Capital One website for full terms and conditions.

The product information is obtained from independent sources, rates may vary depending on your financial circumstances. Whilst we make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider. We do not give financial advice.

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Contact us by email on feedback@totallymoney.com

Totally Money | 3rd Floor, 46a Rosebery Avenue, London EC1R 4RP UK

  

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