Virgin Money Everyday Cashback cashback rate, cap and annual fee
Virgin Money Everyday Cashback pays 0.25% on all spending.
Virgin Money · United Kingdom · catalogue v101
Read from Virgin Money's own published terms on 14 Sep 2026.
NoneAnnual fee
GBP 15Cap across the whole card
0.25%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| All spending | 0.25% | —All purchases after the first 90 days. The first 90 days pay 1%. £15 a month at most, across the whole card. |
The rate you keep is 0.25% on all purchases, capped at "up to a maximum of £15 cashback each month" — which is £6,000 of spending a month, so the cap will not bind for most people and the rate is simply low. The 1% you will see advertised is "1% cashback on all purchases using your card within the first 90 days of account opening" and then it stops; it is described here rather than priced, because a rate with ninety days to live is not what a card is worth. Separately, Virgin Money Cashback offers up to 12% at selected retailers through their own rewards programme, on a rotating list — also not a rate this app will plan around. Balance transfers, money transfers and cash advances earn nothing. Source: uk.virginmoney.com Everyday Cashback card terms, checked 14 Sep 2026.
Questions people ask
What cashback does the Virgin Money Everyday Cashback pay?
0.25% on all spending.
Is there a cap on the Virgin Money Everyday Cashback?
Yes — GBP 15 a month across the whole card, however you split your spending.
What is the annual fee on the Virgin Money Everyday Cashback?
No annual fee.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.
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