Virgin Money
Virgin Money Everyday Cashback Credit Card
A no-annual-fee UK cashback credit card from Virgin Money offering 1% cashback for the first 90 days, then 0.25% cashback after that, with a monthly cashback cap. It can also be useful abroad because MoneySavingExpert lists it as fee-free for overseas spending when paid off in full.
Highlights
Main benefits
- No annual fee
- 1% cashback for first 90 days
- 0.25% cashback after first 90 days
- Cashback capped at £15 per month
- Extra retailer cashback offers available in app
- Representative 27.9% APR variable
- Useful short-term cashback card
- Potentially useful for overseas spending when paid in full
Fees
Fees and charges
Joining fee
£0
Renewal fee
£0
Annual fee waiver
Not applicable because the card has no annual fee.
- Representative APR**
Virgin Money’s current credit card listing shows 27.9% APR variable for the Everyday Cashback credit card.
Who can apply
Eligibility
Subject to Virgin Money credit checks, affordability checks, and approval. Users can check their likelihood of acceptance on Virgin Money’s site before applying, according to MoneySavingExpert.
Checklist
Documents required
- Identity details
- UK address details
- Income and employment details
- Financial information
- Bank account details
Process
How to apply
Apply online through Virgin Money’s official UK credit card page. Users can also use Virgin Money’s card checker/eligibility journey before applying.
Value
Reward and cashback structure
Reward rate
1% cashback on all card purchases for the first 90 days from account opening, capped at £15 cashback per month. After the first 90 days, the card earns 0.25% cashback on all purchases, also capped at £15 cashback per month.
Cashback
Cashback is earned on card purchases and capped at £15 per month. For customers applying from 5 June 2025, Virgin Money’s terms say the boosted 1% rate applies for the first 90 days, then drops to 0.25%. Customers who applied before 5 June 2025 earn 0.25% on purchases, with the same £15 monthly cap.
- Additional rewards**
Virgin Money says credit card customers can register in the Virgin Money Credit Card app to access extra retailer cashback offers, with up to 15% additional Virgin Money Cashback at selected retailers. These offers are separate from the standard card cashback and can change.
Good fit
Pros
- No annual fee
- Strong 1% cashback during first 90 days
- Cashback on all purchases, not category-based
- Extra retailer cashback offers through the app
- Wider acceptance than Amex
- Can be useful for travel spending
Watchouts
Cons
- 1% cashback lasts only 90 days
- Drops to 0.25% after intro period
- £15 monthly cashback cap
- Not as strong long-term as Amex cashback cards for UK domestic spending
- No lounge access
- No premium travel benefits
- Interest can wipe out cashback if the balance is not paid in full
Related
Related cards
Compare
Compare Cards
| Field | Virgin Money Everyday Cashback Credit Card | Amex Platinum Cashback Everyday Credit Card |
|---|---|---|
| Bank/provider | Virgin Money | American Express |
| Joining fee | £0 | £0 |
| Renewal fee | £0 | £0 |
| Best for | UK users who want short-term boosted cashback and fee-free overseas card purchases | Everyday cashback, No annual fee users, UK users who can spend £3,000+ per year, People who prefer simple cashback instead of points |
| Reward rate |
|
|
| Cashback |
|
|
| Lounge access | No | No |
| Fuel surcharge waiver | No | No |
| Welcome benefit | The main introductory benefit is 1% cashback for the first 90 days, capped at £15 per month. I did not find a separate fixed gift-card or cash welcome bonus on the official Virgin Money page |
|
| Annual fee waiver condition |
| Not applicable because the card has no annual fee |
| Eligibility |
|
|
| Apply link | Apply | Apply |