Clydesdale Bank, Yorkshire Bank, B and Virgin Money are becoming one bank

In October 2018, Virgin Money plc (Virgin Money) joined forces with Clydesdale Bank PLC (Clydesdale). If you have any products with Virgin Money, we need you to read some information before you apply.

Find out more

All about the B Credit Card

Before we get started, here’s a quick summary of what the B credit card can offer you.

Features & Benefits

 B Credit Card

B Credit Card

Credit cards don't get much simpler than this. B Credit card has no fees for foreign purchases (excludes cash withdrawals) or balance transfers, a low purchase rate and a balance transfer rate of 9.9% p.a. (variable).

B App Icon

The B app

With the automatic tagging feature, you can see exactly what you’re spending your money on, and even set up in-app budgets to help you stay in control.

Representative example
Rate of interest
9.9% per annum (variable)
Total amount of credit
9.9% APR (variable)

Summary box - B Credit card

The information contained in this table summarises key product features and is not intended to replace any terms and conditions.

Interest Rates Introductory Rate Monthly Rate Effective Annual Rate
Purchases N/A 0.790% 9.9%
Balance Transfers N/A 0.790% 9.9%
Cash Advances N/A 2.075% 27.9%

Interest-Free Period

  • Maximum 59 days for purchases if you pay your balance in full and on time
  • There is no interest free period for cash advances or balance transfers

Interest Charging Information

You will not pay interest on new purchases if you pay your statement balance in full and on time. Otherwise, the period over which interest is charged is as follows:

  From Until
Purchases Date debited to your account Repaid in full
Balance Transfers Date debited to your account Repaid in full
Cash Advances Date debited to your account Repaid in full*

*If you pay the balance in full, the interest charge for the period from the previous statement to the date of full payment will be debited the following month. For further details please refer to your credit card terms and conditions.

Allocation of Payments

If you do not repay the entire balance on your account we will apply the amount you pay to the outstanding balance starting with those items to which the highest rate applies. For further details please refer to your credit card terms and conditions.

Minimum Repayment

The minimum payment is an amount equal to the greater of:

  • all interest and default fees added to your account that month together with 1% of the remaining balance on your account, or
  • £5 (or the statement balance if it is less than £5)

Only ever making the minimum repayment will significantly increase the time taken to clear your balance and cost you more.

Credit Limit

Minimum Credit Limit - £500.00

Maximum Credit Limit - Subject to status


No annual fee


Cash advances / Cash Fee - 3% (minimum £3.00)

Balance Transfers – 0.00%

Copies of Statements or Vouchers – £5.00

Foreign Usage

Payment Scheme Exchange Rate - Rates can be found at

One or more of the following may apply:

Non-Sterling transaction fee (Forex) – 0%

Cash fee – 3% (minimum £3.00)

Default Charges

Late payment or Over limit fees – £12.00

Information correct as at 8th August 2019

Here’s an example of how it works:

You spend £1,000 on 1st January and make no other transactions

The following example highlights the difference between only paying the minimum and a fixed amount each month on your B credit card

Monthly payment

Without taking into account any introductory rates, how much interest will you be charged in the first year?

Minimum payment each month £50 each month
£81.32 £65.95

How much interest will you be charged in the second year?

Minimum payment each month £50 each month
£79.03 £22.85

How long would it take to clear the balance?

Minimum payment each month £50 each month
16 years 9 months 1 year 10 months

Please note, the above example assumes the following: Representative 9.9% APR variable.

The transaction takes place on 1st January and you make no futher transactions.

Your statement is produced on the 1st of each month. You always make a payment on the due date.

Things you need to know before applying

  • Make sure that the B Credit card is a good match for you by checking our Gold Mastercard credit card.
  • Purchases and balance transfers at 9.9% (Variable). Cash rate is 27.9% (Variable).
  • Find out more about B Credit Card interest rates and charges. Have a look at the full terms and conditions (PDF, 114 KB, opens in a new window) and summary box above.
  • To use the B app features, please check that you have a compatible tablet or mobile.
  • Applicants must be aged 18 or over, reside in the UK and not currently hold a B credit card. All credit facilities are subject to status.
  • Applicants will not be eligible if they have applied for a B or Gold Mastercard in the last 60 days.
  • You will not be eligible if you are currently bankrupt or have had any County Court Judgements or Decrees in the past 3 years.
  • You will be unable to transfer balances from other Clydesdale and Yorkshire Bank credit cards to your B Credit card.

Before you go on, you’ll need

  • 15 minutes to fill in the application
  • Your monthly earnings before tax
  • Details of your other credit or store cards, or overdraft balances that you plan to transfer to your new card
  • Your bank details
  • Details of your monthly outgoings, such as your mortgage, rent and loans.

Ready to apply?

Start your application

Been here before?

Retrieve a saved application


Looking to switch to B Current?

It couldn’t be any easier to switch to the B Current account. Switching is covered by the Current Account Switch Guarantee and it’ll all be done quickly and easily. The B Current account also comes with the B Instant Savings account and an app full of clever tools. Accounts are subject to status and eligibility.

Current Account Switch Guarantee