Virgin Money Travel Credit Card Review 2026

Details checked Aug 2026Got this card? Leave a review

Rep. APR

27.90%

Variable

Annual fee

£0

Spending abroad

Free

No foreign transaction fees

Lounge access

Not included

How you earn

0% interest on purchases for 9 months (promotional.

Check current offer).

Using it abroad

0% FX fee worldwide on purchases. 3% cash advance fee (lower than Virgin's standard 5% on other cards).

Converts at the Mastercard exchange rate.

See today's live travel money rates

Who can apply

Pay balance in full after any 0% period.

Issued by Nationwide Building Society trading as Virgin Money.
New-customer availability can be limited, so check the Virgin Money site before applying.

Our Expert Opinion on Virgin Money Travel Credit Card

The Virgin Money Travel Credit Card is aimed at people who want to avoid foreign transaction costs without paying an annual fee. On Mastercard's network it sits practically nothing off the real exchange rate, which matches the best cards we have measured. There are no rewards on spending, so this is purely a card for keeping costs down abroad rather than earning anything back. The 27.90% APR is typical for a fee-free card, but that is still a real catch if you carry a balance after any 0% purchase period ends.
Jan Watermann (Co-Founder)DepositScout

Compare Travel Cards

Guides featuring Virgin Money

The Best UK Savings Rates for September 2026

Four 8% regular savers, 5% fixed bonds, Premium Bonds' rise to 4.35% and the top easy access and cash ISAs.

Basic Bank Accounts: Your Legal Right to an Account

Nine UK banks are legally required to offer you a free basic account — even with bad credit.

Best & Worst Premium Bank Accounts for Insurance in the UK (2026)

Packaged bank accounts can be great value — but only if the insurance is genuinely strong. Here’s how the UK’s top premium accounts compare in 2026.

The UK Credit Card Ladder: From Credit Builder to Centurion (2026 Guide)

From credit builder cards to invite-only black cards, here’s how to climb the UK credit card ladder properly.

The Best Travel Cards for UK Travellers in 2026 (Fees, FX Rates & ATM Limits Explained)

Planning a trip abroad in 2026? We compare the best UK travel cards, explain FX rates, ATM limits, and why some popular fintech cards don’t always come out cheapest.