Turn your daily purchases into money back, with no extra cost!

The Virgin Money Everyday Cashback Credit Card is designed for those who value convenience in their day-to-day and enjoy getting something in return when using a card.

With it, everyday spending turns into rewards, combining savings, simplicity and a straightforward cashback system.

Besides charging no annual fee, the card offers cashback even on international purchases, making it appealing to various types of consumers.

 If you want a card that gives back part of what you spend and still makes life easier, the Virgin Money Everyday Cashback is worth checking out!

Get to Know the Virgin Money Everyday Cashback Card: Simple, Rewarding and Fee-Free

The Virgin Money Everyday Cashback Credit Card is issued by Virgin Money, a reliable and modern British bank with a strong presence in the financial market.

Known for transparency and customer focus, Virgin Money is part of the renowned Virgin Group and stands out for its practical, accessible solutions in the UK.

The card’s initial limit can reach £1,200, depending on credit evaluation, offering flexibility and control for various spending profiles.

Anyone looking for a no-annual-fee card with direct cashback and a solid brand behind it will find a safe bet in Virgin Money Cashback.

Benefits That Put Money Back in Your Pocket: Cashback on Every Purchase

With the Virgin Money Everyday Cashback Credit Card, every purchase becomes a chance to get money back, simply and automatically on your statement.

It’s a smart way to buy what you already need and see rewards drop in each month — effortlessly, without hassle and with advantage.

Direct Cashback on Every Purchase

The Virgin Money Everyday Cashback Credit Card offers 1% cashback for the first 90 days, then 0.25% for all your regular purchases.

The amount is returned directly on your statement, up to £15 per month — a practical way to earn while you spend.

Boosted Cashback Offers with Partners

In addition to fixed cashback, you can get up to 15% back by shopping with partner brands listed in the card’s app.

These offers vary according to your spending habits and are frequently updated, increasing your chances of saving even more.

No Annual Fee

The card charges no annual fee, which means more savings all year long, with no surprises on your bill.

You enjoy all features and benefits without paying anything to keep the card active month after month.

No Fees on International Purchases

Purchases made outside the UK or on foreign websites have no currency conversion fees.

You only pay the actual value of the purchase, with no hidden charges, ideal for travelers or online shoppers.

Full Management App

The Virgin Money app lets you track your bill, limits, available balance and cashback in a simple and real-time way.

It also provides alerts, transaction views and fast access to promotions and exclusive offers from registered partners.

Worldwide Acceptance with Mastercard

The Virgin Money Everyday Cashback Credit Card is Mastercard-branded and accepted at millions of establishments around the world.

You can use it confidently both on trips and online purchases, with the reliability of the Mastercard network.

Eligibility Requirements to Apply for the Virgin Money Everyday Cashback Credit Card

Applying for the Virgin Money Everyday Cashback Credit Card is easy, but you need to meet some basic requirements before enjoying its benefits.

The card is for UK residents only, so you must have a permanent UK address at the time of application.

You must also be at least 18 years old, have a minimum annual income of £7,000 and a credit history considered healthy.

If you meet these requirements, the Virgin Money Everyday Cashback Credit Card can be the perfect financial partner for your routine.

Step-by-Step to Apply for the Virgin Money Everyday Cashback Credit Card

Applying for the Virgin Money Everyday Cashback Credit Card is simple and can be done online in minutes, directly on the Virgin Money website.

1. Access Virgin Money’s official website: Go to the Virgin Money site and find the Everyday Cashback card page to begin your application securely.
2. Fill in your personal details: Provide your name, UK address, date of birth, current job and annual income as requested in the form.
3. Submit your application for review: Once everything is filled out, submit the application. A credit check will be done based on the provided info and financial history.
4. Wait for approval and receive your card: If approved, you’ll receive your card in a few days and can activate it via app or phone.

With these quick steps, you’re ready to enjoy all the benefits of Virgin Money Everyday Cashback with peace of mind and full control.

Fees and Charges of the Virgin Money Everyday Cashback Credit Card

Before applying for the Virgin Money Everyday Cashback Credit Card, it’s important to know all the fees involved to stay in control and avoid unpleasant surprises.

Even with attractive perks, the card has fees that vary depending on how you use it — such as interest, transfers and possible late payments.

APR Interest Rates

The 24.9% APR applies if you don’t pay your full statement balance. Avoid interest by paying everything by the due date.

For example, if you spend £500 and pay only £100, the remaining £400 will start to accrue interest at 24.9% annually.

Interest isn’t charged if the total amount is paid on time. That way, you enjoy a grace period without fees.

The Virgin Money Everyday Cashback Credit Card gives you up to 50 days interest-free, as long as your payments stay on time.

Balance Transfer Fee

When transferring a balance from another card, a fee of 3% to 5% is charged, depending on the promotion at the time.

For example, if you transfer £1,000 from another card, you may pay £30 (3%) in fees, totaling £1,030 added to your bill.

This can be helpful to consolidate debt with a more predictable fee, but pay attention to timing and total cost.

Always read the terms, as some offers reduce or eliminate the fee for a limited period after approval.

Money Transfer Fee

Same conditions apply as balance transfers. Transferring £200 to your account means a £6 fee, and interest starts the same day.

This helps with emergencies, but costs more long term. Evaluate your situation before using this option to avoid overpaying.

Always check current promotions, as some may offer fee-free transfers for a short period after your card is approved.

As with all services, read the fine print and use with awareness to avoid unnecessary fees.

Cash Withdrawal Fee

Withdrawing cash with the card incurs a 3% fee, minimum £3, plus high interest (29.9% APR) charged immediately with no grace period.

For example, if you withdraw £100, you’ll pay £3 in fees and interest starts accruing as soon as the transaction is completed.

It’s one of the most expensive ways to use your credit, so only withdraw when truly necessary and with a plan.

The Virgin Money Everyday Cashback Credit Card allows cash withdrawals, but this option should be avoided due to its high cost.

Late Payment and Overlimit Fees

Paid your bill late or exceeded the card limit? A £12 fee is automatically added to your next bill.

For example, if your bill was due on the 10th and paid on the 12th, you’ll be charged £12 on your next statement, plus interest.

Going over your limit also costs £12. If your limit is £1,000 and you spend £1,050, the excess is penalized.

The Virgin Money Everyday Cashback Credit Card has perks, but timely payments help you avoid extra charges and keep your credit healthy.

Conclusion

The Virgin Money Everyday Cashback Credit Card is a great choice for those looking for convenience, savings and real rewards with daily purchases.

With no annual fee, guaranteed cashback and no extra charges on international use, the card delivers a full package with great returns.

Used with planning and awareness, you can enjoy all the benefits without falling into interest traps or unnecessary fees.

Like it? Want to explore another option for financial organization? Check out the article below on the Vanquis Balance Transfer Credit Card and discover its benefits!