Cashback
1%
Drops to 0.25% after 3 months
Rep. APR
27.9%
Variable
Annual fee
£0
Spending abroad
Free
No foreign transaction fees
Lounge access
Not included
1% cashback for 90 days, then 0.25% on eligible purchases.
Opening offer
1% cashback for the first 90 days.
No non-sterling transaction fee on purchases.
You need to be a UK resident aged 18+, subject to status.
The Virgin Money Everyday Cashback Credit Card suits people who travel regularly, as it charges no foreign transaction fees and uses Mastercard rates that are practically nothing off the real exchange rate. The cashback side is weaker though: after the first 90 days the earn rate drops to 0.25%, which is 0.49% below the typical reward card, and monthly cashback is capped at £15. I would treat this primarily as a fee-free travel card rather than a cashback earner, with the 27.9% APR meaning you should clear the balance monthly.
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