✅ 0.25% cashback on every purchase after the initial period
✅ Up to £15 cashback per month, deducted directly from your balance
✅ No annual fee and no foreign exchange fees when spending abroad
Why the Utua team recommends the Virgin Money Everyday Cashback Card
At Utua, we prioritize credit cards that offer tangible and easy-to-understand value—and the Virgin Money Everyday Cashback Card does exactly that. Designed for consistent earners and everyday users, this card gives you 1% cashback on all spending during the first three months, transitioning to 0.25% afterward. It’s a practical choice for people who want their purchases to work for them.
Cashback is automatically deducted from your balance, meaning you don’t have to track or redeem anything manually. What sets this card apart is the no-fee structure: no annual cost and no foreign exchange fees, making it great for both domestic and international use.
Author’s opinion
In a market filled with flashy reward systems and points conversions, the Virgin Money Everyday Cashback Card keeps things refreshingly straightforward. I personally appreciate cards that don’t overcomplicate rewards—and this one does exactly what it promises: cash back on everything you buy, without hoops or limits on where to spend.
The 1% cashback in the first three months is generous for a no-fee card, and even the ongoing 0.25% rate ensures your spending never goes unrewarded. What makes it better is the £15 monthly cap, which encourages mindful spending while still offering real monthly returns. I also love that it doesn’t charge foreign exchange fees, so it’s ideal for digital nomads or travelers.
Want to know more about the card?
Click the button below to explore every detail of the Virgin Money Everyday Cashback Credit Card. You’ll learn how cashback is calculated, how to maximize your returns, and how the monthly deduction works.