How to Apply for your Virgin Money Manchester United Credit Card
The Virgin Money Manchester United Credit Card offers several benefits tailored for fans of the club. Cardholders enjoy a 10% discount on purchases at the Manchester United Megastore, Red Café, and online at United Direct, as well as a 20% discount on advance bookings for Museum and Stadium tours.
Beyond these discounts, the card provides access to exclusive rewards and experiences through the United Rewards scheme, including opportunities to win matchday tickets, and other exclusive experiences including The United Way.
It’s important to note that while the card offers these perks, it also comes with standard credit card features such as interest rates and fees. Prospective applicants should review the full terms and conditions to understand all associated costs and benefits.
Virgin Money Manchester United Credit Card Benefits
The Virgin Money Manchester United Credit Card offers a range of benefits designed specifically for Manchester United fans and those who seek added value from a credit card. With exclusive rewards, discounts, and features, this card is a good choice for both football enthusiasts and everyday credit card users.
Below are some of the top benefits, each explained in detail.
Discounts at Manchester United Megastore and Online Shop
One of the standout perks of this card is the 10% discount on purchases made at the Manchester United Megastore, online at United Direct, and the Red Card. This benefit allows cardholders to save on official merchandise, ensuring that supporters can represent their team while taking advantage of consistent savings.
Whether you’re buying jerseys, souvenirs, or accessories, the discount applies to a wide range of items.
Access to United Rewards
Cardholders gain access to the United Rewards program, which offers unique experiences and prizes related to Manchester United. Rewards include the chance to win matchday tickets, exclusive hospitality packages, and even signed merchandise.
These opportunities are particularly appealing for fans looking to enhance their connection to the club through special events and souvenirs that aren’t typically available to the public.
Discounts on Museum and Stadium Tours
Cardholders can also enjoy a 20% discount on bookings for Manchester United Museum and Stadium tours. This benefit adds to the immersive experience of supporting the club, providing fans with an opportunity to explore Old Trafford at a reduced price.
The discount makes this iconic experience more accessible, encouraging fans to engage with the history and culture of the club.
What You Should Have to Apply
To apply for the Virgin Money Manchester United Credit Card, applicants must meet certain eligibility criteria. Below are the general requirements for someone looking to apply for this card:
Age Requirement: applicants must be at least 18 years old. This is a standard legal requirement in the UK for entering into a credit agreement, ensuring that cardholders are of legal age to manage credit responsibly.
UK Residency: the applicant must be a permanent resident of the United Kingdom. This ensures that the applicant has a stable and traceable address in the UK, which is crucial for managing the account and handling communications related to the card.
Credit History: Virgin Money typically requires applicants to have a good credit history. This means that individuals with a history of missed payments, defaults, or other credit issues may find it challenging to get approved.
Income: applicants should have an income of at least £7,000 per annum or a household income of at least £15,000 per annum
Additional Documentation: As part of the application process, applicants may need to provide proof of identity and income, such as a passport, driving license, or payslips. This helps to verify the applicant’s identity and financial situation to ensure they meet all of Virgin Money’s requirements.
About Virgin Money
Virgin Money is a UK-based financial services institution that has been operating since 1995. Originally launched as a venture of the Virgin Group, Virgin Money started by offering a variety of financial products, including credit cards, savings accounts, and mortgages.
Over the years, the institution expanded its services, establishing itself as a challenger bank in the UK market.
In 2018, Virgin Money was acquired by CYBG plc, the group that owns Clydesdale Bank and Yorkshire Bank. This acquisition strengthened its presence in the banking sector, with the brand continuing under the Virgin Money name.
Known for its customer-focused approach, Virgin Money offers a wide range of personal and business banking products, including savings accounts, loans, mortgages, and credit cards.
The bank is recognized for its innovative banking solutions, such as the introduction of Virgin Money Lounges for customers, offering a unique blend of traditional and digital banking services. Virgin Money continues to serve millions of customers across the UK, maintaining a reputation for accessibility and customer satisfaction.
Who is the Virgin Money Manchester United Credit Card for?
The Virgin Money Manchester United Credit Card is aimed primarily at dedicated Manchester United fans who wish to enjoy exclusive perks related to the football club, such as discounts on merchandise and stadium tours, along with access to unique rewards and experiences.
The card is ideal for those who manage their finances responsibly and are seeking a credit card that reflects their passion for Manchester United.
Step by Step to Apply for the Virgin Money Manchester United Credit Card
To apply for the Virgin Money Manchester United Credit Card, interested applicants can follow these straightforward steps:
- Visit the Official Website: go to the official page for the Virgin Money Manchester United Credit Card. Further, you will find more details about the card and an option to start your application online.
- Check Eligibility: Before proceeding, ensure that you meet the eligibility criteria, such as being at least 18 years old, a UK resident, and having a regular source of income. It’s also important to review your credit history, as it will be part of the approval process.
- Complete the Online Application: on the website, fill out the online application form with your personal information, financial details, and employment status. Make sure to provide accurate details to avoid delays in the approval process.
- Submit Required Documentation: depending on your application, you may be asked to provide additional documentation such as proof of identity (passport or driving license) and income (payslips or bank statements). These can be submitted online.
- Wait for Approval: once the application is submitted, Virgin Money will review your information. If approved, the card will be sent to your registered address. In some cases, they may contact you for further information or clarification.
- Download the Virgin Money App (Optional): for easier account management, you can download the Virgin Money app, available for both Android and iOS. Through the app, you can track your spending, make payments, and manage your credit card account on the go.
Virgin Money Manchester United Credit Card Pros and Cons
The Virgin Money Manchester United Credit Card offers several perks for Manchester United fans and those seeking a standard credit card with additional lifestyle benefits. However, like any credit card, it has both positives and negatives that should be carefully considered before applying. Below is a summary of the key pros and cons of the card.
Pros
- Exclusive Discounts for Manchester United Fans: cardholders enjoy a 10% discount on purchases at the Manchester United Megastore, online at United Direct, and the Red Card. This is a great way for fans to save money on official merchandise and team-related items.
- Access to United Rewards: the card gives access to the United Rewards program, where cardholders can win matchday tickets, signed souvenirs, and exclusive experiences including The United Way. For loyal fans, this offers value beyond regular cashback or points programs.
- Exclusive Offers: Also, cardholders can enjoy a 20% discount for advance bookings on Museum and Stadium tours.
Cons
- High Standard Interest Rates: The card has a relatively high representative APR of 24.9% (variable), which can lead to expensive borrowing costs if balances are not paid in full each month. This makes it less suitable for those who carry a balance month-to-month.
- Exclusive to Manchester United Fans: many of the benefits, such as the discounts and rewards program, are tailored specifically to Manchester United supporters. For those who are not fans of the club, these perks may not hold much value, limiting the card’s overall appeal.
How to Activate the Virgin Money Manchester United Credit Card
Once you receive your Virgin Money Manchester United Credit Card, activating it is a simple process. There are a few ways to activate the card:
- Online Activation: you can activate your card through the Virgin Money online banking portal. After logging into your account, navigate to the card management section and follow the prompts to activate your new card.
- Mobile App: If you have the Virgin Money app, you can also activate the card directly through the app. Simply log in, find your card under the account details, and follow the instructions to complete the activation.
- Phone Activation: alternatively, you can call Virgin Money’s customer service on the number provided with your card to activate it over the phone (or call customer service at 0800 011 3210). Be ready with your card details and personal information for verification.
Virgin Money Manchester United Credit Card Fees and Tariffs
The Virgin Money Manchester United Credit Card comes with several fees and tariffs that cardholders should be aware of before applying. Below is a summary of the main costs associated with the card:
- Representative APR: The card has a representative APR of 24.9% (variable), which applies to purchases made with the card if the balance is not paid in full each month.
- No Annual Fee: one of the card’s advantages is that it does not charge an annual fee, making it more affordable for those looking to avoid yearly card maintenance costs.
Customer Service
To seek assistance regarding the Virgin Money Manchester United Credit Card, you can use the following official channels for help and support:
- Customer Service Phone Number: for general inquiries or issues with your card, call 0800 011 3210
- Mobile Banking App
You can manage your card and get support via the Virgin Money app, which is available for download: