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Virgin Money Everyday Cashback

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What is a cashback credit card?

Cashback credit cards give you a percentage of your spending back as a reward. Usually, there’s a limit on how much you can earn, and some cards offer extra cashback when you shop with selected retailers.

Each cashback card works a bit differently. Some only reward spending in the UK, while others include purchases made abroad.

Cashback can be paid monthly or annually — either credited to your account or used to reduce your balance. Some cards charge an annual fee, while others don’t.

Our Everyday Cashback Credit Card lets you earn cashback on both local and international purchases. The cashback you earn is automatically applied to lower your monthly balance — and there’s no annual fee.

As with any credit card, it’s important to choose the cashback card that best suits your spending habits and needs.

Is a cashback credit card right for me?

A cashback credit card can be a smart choice if you want to earn money back as you spend. When used responsibly, it can also help you improve your credit score — as long as you make payments on time and stay within your credit limit.

However, a cashback card might not be the best fit if your main goal is to make balance transfers, money transfers, or take advantage of introductory or promotional rates.

In those cases, other types of credit cards may offer more suitable benefits.

How much cashback can I earn with this card?

You’ll earn 1% Everyday Cashback on all card purchases during the first 90 days after your account opens — up to £15 cashback per month. After this introductory period, you’ll continue earning 0.25% cashback, also capped at £15 per month.

In addition, you can earn up to 15% extra Virgin Money Cashback when you shop with selected top retailers. To start earning, simply register for Virgin Money Cashback through the Virgin Money Credit Card app.

Cashback applies to any transaction defined as a card purchase in your credit card terms — including everyday spending such as shopping, groceries, dining out, and café purchases.

You won’t earn cashback on transactions like balance transfers, money transfers, or cash advances. Cash advances include ATM withdrawals, gambling, investments, and the purchase of foreign currency.

Where can I see how much cashback I have earned?

You can easily track how much cashback you’ve earned in the Virgin Money Credit Card app or on your monthly statement. Your Everyday Cashback total will appear automatically.

To start earning additional Virgin Money Cashback, make sure to register through the app. Once you’ve registered, your Virgin Money Cashback earnings will be displayed alongside your Everyday Cashback balance.

Important: Make the Most of Your Cashback Credit Card

To get the best value from your Everyday Cashback Credit Card, it’s essential to understand how and where you earn rewards — and how to manage your account responsibly.

• Maximize your earnings: Use your card for everyday purchases such as groceries, dining, and online shopping to collect cashback faster.
• Register in the app: Activate Virgin Money Cashback in the Virgin Money Credit Card app to unlock up to 15% extra cashback with selected retailers.
• Stay within limits: Remember that cashback is capped at £15 per month, and the 1% introductory rate lasts for the first 90 days.
• Use your card wisely: Make payments on time and keep your balance within your credit limit to maintain a healthy credit score.
• Check your progress: Track your total cashback easily through the app or your monthly statement — both your Everyday and Virgin Money Cashback amounts are shown clearly.

By keeping these points in mind, you’ll make sure your cashback card truly works for you — rewarding your spending while helping you stay financially smart.

Conclusion

A cashback credit card is more than just a way to pay — it’s a smart tool to make your everyday spending work for you. When used responsibly, it can help you earn rewards, build a stronger credit history, and save money over time.

By understanding how your cashback works, registering in the app to unlock extra rewards, and keeping track of your spending and payments, you’ll make the most of every purchase.

In short: spend wisely, pay on time, and let your cashback card give something back every month.

Gabriel 12 de November de 2025