Everyday Cashback Credit Card – Virgin Money

Hate Paying Fees Just to Use Your Card on Holiday?

It’s a horrible feeling. You're in Spain, you buy a coffee, and you know your high-street bank card is stinging you with a 3% "non-sterling transaction fee." You're literally paying a fee just to access your own money.

It feels like being penalised for having a holiday.

Then you come home, and it’s the 'weekly shop'. You spend hundreds at Sainsbury's or Asda, and your normal bank card gives you... nothing. You're spending, but you're not earning.

What if one card could fix both problems?

This is exactly what the Virgin Money Everyday Cashback Credit Card is designed to do. It's a true "all-rounder" from a brand you trust, built to work for you both at home and abroad.

First, it’s one of the best travel cards in the UK, letting you spend anywhere in the world with absolutely no foreign transaction fees.

Second, it rewards your spending at home. You get 1% cashback on everything you buy for the first 90 days to get you started, and 0.25% after that. And it does all this with no annual fee.

Ready to earn cashback on your food shop and save money on your holiday? Click the button below for the full breakdown and how to get it.

One Card for Your 'Weekly Shop' and Your Week Away

The Virgin Money Everyday Cashback Card is so powerful because it combines two benefits that you almost never find together in a free UK card. Here’s how they work in the real world.

Benefit 1: The Perfect Travel Companion (0% Fees)

This is, in our opinion, the card's best *long-term* feature. Most bank cards (like those from Barclays or NatWest) charge you a 2.99% fee on every single transaction you make abroad.

Imagine you're in Lisbon for a long weekend. You pay for the hotel, you buy pastries at a café, you pay for a taxi, and you buy souvenirs. On a standard card, every one of those transactions gets a 3% fee. You'd lose £30 for every £1,000 you spend.

With the Virgin card, you pay £0 in fees. You just tap your card, get the perfect Mastercard exchange rate, and that's it. It makes spending abroad as simple and cheap as spending at home. This perk alone can save you hundreds a year if you travel, and it costs you nothing to keep the card.

Benefit 2: 1% Cashback to Get You Started

This is the card's welcome bonus. For the first 90 days (three months) from opening your account, you get a solid 1% cashback on everything.

This is perfect if you have a big purchase planned. Need a new sofa from IKEA or a laptop from Currys? Buying it in the first 3 months means you get 1% back. Spend £1,500, and you get £15 credited straight back to your statement.

After 90 days, it drops to 0.25%. It's not the highest rate on the market, but it's a nice little bonus that's automatically credited to your statement every month. No fuss.

Benefit 3: The "Virgin Money Cashback" Portal

This is the hidden extra that makes the 0.25% rate much better. As a cardholder, you get access to the Virgin Money Cashback portal via the app.

This is an online shopping portal (like Quidco) where you can find special offers, like "8% cashback at Booking.com" or "5% at M&S". And this *stacks*. You would earn the 8% from the portal *plus* your 0.25% from the card. This is a great way to boost your earnings on big online purchases.

Benefit 4: All from a Brand You Trust

This isn't a random fintech. This is Virgin Money, which is part of the Clydesdale Bank group. It's a proper, regulated UK bank. That means your money is protected (FSCS protection applies to any credit balances) and you're backed by a huge, established company.

It's a Mastercard, so it's accepted everywhere (unlike Amex). And it has the "Check your eligibility" soft-check tool, so you can see if you'll be accepted *before* you apply, with no impact on your credit score.