Are you looking for a simple credit card for everyday use that doesn’t charge a huge amount in interest and fees? If so, a no frills credit card could be a good option for your needs. The Virgin Low Rate credit card is a good example with low interest, a great balance transfer offer, and a low annual fee.

Discover more about the Virgin Low Rate credit card below and apply online if it sounds like the right credit card for you.

Type of Credit Card: Low interest credit card, Balance transfer credit card

Interest Rates*: The Virgin Low Rate credit card features a low 12.99% interest rate on purchases. Still too much interest for you? Then pay off your balance in full each month to take advantage of up to 44 days interest free on new purchases.

Interested in transferring an existing balance from a high interest credit card? Then you’ll want to take advantage of the Virgin Low Rate credit card’s balance transfer introductory offer.

You’ll get an extremely low 2.9% balance transfer rate for your first nine months as a cardholder. But to get this special offer, you’ll need to transfer your balance at the time you apply for the Virgin Low Rate card.

This card also has a cash advance rate of 20.99%.

Annual Fee*: In addition to the low interest rate, this no frills credit card features a reasonably low annual fee. It’s just $59 per year.

Rewards / Extras*: As a no frills credit card, the Virgin Low Rate card doesn’t come with a rewards programme or perks common to rewards cards. If you’d prefer a card with perks and rewards, consider one of Virgin’s other options like the Virgin Flyer credit card.

Additional Details*: To be approved for a Virgin Low Rate credit card, you must earn at least $35,000 annually. With this card, you can also enjoy Visa’s Zero Liability policy which offers greater protection against credit card fraud.

Apply now!

* Interest rates, annual fees, and other credit card details were taken from the most accurate data available at the time of writing. All rates and fees are subject to change from the issuing bank, and their inclusion here in no way serves as a guarantee of rates. Please review rates and terms with the card issuer at the time of application.