Updated October 14, 2026 · SumCue Editorial Team
Ocean Finance Card vs Virgin Atlantic Reward Credit Card
Ocean Finance Card
Virgin Atlantic Reward Credit Card
Higher score in this comparison
Ocean Finance Card vs Virgin Atlantic Reward Credit Card: the differences
| Compare | Ocean Finance CardReviewSee alternativesSee alternatives | Virgin Atlantic Reward Credit CardReviewSee alternativesSee alternatives |
|---|---|---|
| APR | 39.9% | 27.9%Lower |
| Rewards type | None | Cashback |
| Balance transfer intro period | 6 months | 21 monthsHigher |
| Balance transfer fee | 2.9%Lower | 2.95% |
| Perks | Credit limit of GBP 200 to GBP 8,000, Section 75 protection on purchases between GBP 100 and GBP 30,000, Mobile app to make payments and check balance, Free email and text alerts, Card usable online before the physical card arrives, Eligibility check does not affect credit score, No Apple Pay | Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases, Money transfer option, Virgin Money Cashback offers in the credit card app, 24/7 in app chat support with Redi, Virgin Money Rewards and Virgin Red offers |
| Annual fee | £0 | Not confirmed |
| Currency conversion fee | Not confirmed | 0% |
| Credit needed | Poor | Not confirmed |
Same on both: Card kind (Credit).
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Key differences
- Virgin Atlantic Reward Credit Card scores higher overall: 9.3 vs 9.1.
- APR is lower at Virgin Atlantic Reward Credit Card: 27.9% vs 39.9%.
- Balance transfer fee is lower at Ocean Finance Card: 2.9% vs 2.95%.
- Balance transfer intro period is higher at Virgin Atlantic Reward Credit Card: 21 months vs 6 months.
- Perks: only Ocean Finance Card offers Credit limit of GBP 200 to GBP 8,000, Section 75 protection on purchases between GBP 100 and GBP 30,000, Mobile app to make payments and check balance.
- Perks: only Virgin Atlantic Reward Credit Card offers Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases, Money transfer option.
- Support channels: only Ocean Finance Card offers Email.
Our verdict on each
Ocean Finance Card
The Ocean Finance Card suits borrowers with a poor credit history who plan to clear a balance: a transfer fee of 2.9% on what you move, and an annual fee of £0. Anyone wanting a rewards card should look elsewhere, since this one is priced for short borrowing.
Virgin Atlantic Reward Credit Card
The UK Virgin Atlantic Reward Credit Card has no annual card fee and earns 0.75 Virgin Points per £1 on everyday purchases. The card page says monthly points are capped based on the credit limit and that the Virgin Money Credit Card app is needed to manage the card. Credit is available only to UK...
Score breakdown
| Area | Ocean Finance Card | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Cost | 9.1Annual fee £0, but interest at 39.9% is what holders really pay. | 9.2Higher |
| Offer | 9.2The rewards type is none, so the offer rests on practical extras. | 9.4Higher |
| Trust | 9.1 | Not confirmed |
Choosing between them
Pick Ocean Finance Card if balance transfer fee matter most.
Pick Virgin Atlantic Reward Credit Card if apr and balance transfer intro period matter most.
If neither fits
HSBC Classic Credit Card has balance transfer intro period at 17 to 36 months, against 6 months for Ocean Finance Card and 21 months for Virgin Atlantic Reward Credit Card.
HSBC Classic Credit Card reviewWhat we checked
Ocean Finance Card
- oceanfinance.co.uk: 13 facts, checked September 26, 2026
Virgin Atlantic Reward Credit Card
- uk.virginmoney.com: 11 facts, checked September 26, 2026
How they place
| Ranking | Ocean Finance Card | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Credit and debit cards | 426 of 1594 | 271 of 1594 |
| Credit cards | 131 of 421 | 91 of 421 |
| Balance transfer cards | 15 of 32 | 7 of 32 |
Every fact side by side
| Fact | Ocean Finance Card | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Features | Not confirmed | Rewards |
| Legal entity | Intelligent Lending Limited | Nationwide Building Society (trading as Virgin Money) |
| Headquarters | United Kingdom | United Kingdom |
| Founded | 1991 | Not confirmed |
| Support channels | Chat, Phone, Email, Help centreCovers more | Chat, Help centre, Phone |
Debit cards
| Fact | Ocean Finance Card | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Monthly fee | Not confirmed | £0 |
| Card type | Not confirmed | Debit |
Where each stands against the rest
| Fact | Ocean Finance Card | Virgin Atlantic Reward Credit Card | Median |
|---|---|---|---|
| Annual fee | £0at the median | Not confirmed | £0 |
| APR | 39.9%highest quarter | 27.9%highest quarter | 11.635% |
| Currency conversion fee | Not confirmed | 0%below the median | 1% |
| Balance transfer intro period | 6 monthslowest quarter | 21 monthshighest quarter | 12 months |
| Balance transfer fee | 2.9%below the median | 2.95%below the median | 3% |
Median across 486 listed providers.
Pros and cons
Ocean Finance Card
Pros
- Balance transfers cost 2.9% over 6, so old card debt has a route out.
- The perk list Credit limit of GBP 200 to GBP 8,000, Section 75 protection on purchases between GBP 100 and GBP 30,000 and Mobile app to make payments and check balance adds an app, free alerts and purchase protection.
- Support runs on chat, phone and email, so help comes through several channels.
Cons
- The APR is 39.9%, so carrying a balance month to month is expensive.
- The rewards type is none, so everyday spending earns nothing back.
- Apple Pay is not among its perks (Credit limit of GBP 200 to GBP 8,000, Section 75 protection on purchases between GBP 100 and GBP 30,000 and Mobile app to make payments and check balance).
Virgin Atlantic Reward Credit Card
Pros
- The Reward card page lists no annual card fee and an everyday earning rate of 0.75 Virgin Points per £1.
- The page explains that monthly points are capped based on the credit limit, making that limit relevant when considering potential points earned.
Who each suits
Ocean Finance Card
Who it suits
- Borrowers with a poor credit history, since the annual fee is £0.
- Anyone clearing a balance on another card, where the transfer fee is 2.9%.
- Card users who want purchase protection on larger buys, listed under Credit limit of GBP 200 to GBP 8,000, Section 75 protection on purchases between GBP 100 and GBP 30,000 and Mobile app to make payments and check balance.
Who should look elsewhere
- Starling Personal Account Debit Card, at an APR of 15%, for current account borrowing.
- Varo Believe Secured Credit Card, with $0 annual fee, for a secured route.
Virgin Atlantic Reward Credit Card
Who it suits
- UK residents aged 18 or over who meet the subject-to-status condition, value Virgin Points and are or can become Virgin Atlantic Flying Club members.
Current offers
Ocean Finance Card
Current offer
First period offer
0% for 6 months on balance transfers and purchases on the Ocean Credit Card: 0% for 6 months, 2.9% balance transfer fee
Representative 39.9% APR (variable) after the offer, purchase rate 39.94% APR (variable), credit subject to status
Source, checked September 26, 2026
Virgin Atlantic Reward Credit Card
Current offer
Bonus
0% interest for up to 21 months on balance transfers and purchases on the all round credit card: 0% for up to 21 months, 2.95% balance transfer fee
Promotional offer varies based on your circumstances and starts from account opening date; applies to transfers made in the first 60 days. Credit is available, subject to status, only to UK residents aged 18 or over.
Source, checked September 26, 2026
Bonus
Get 0% interest on balance transfers for up to 36 months on the balance transfer credit card: 0% for up to 36 months, fee per transfer
Promotional offer varies based on your circumstances and starts from account opening date. Applies to transfers made in the first 60 days. Fees and terms apply.
Source, checked September 26, 2026
Bonus
Virgin Money Cashback from selected top retailers on the Everyday Cashback Credit Card: up to 12% additional cashback
Register in the Virgin Money Credit Card app. Terms apply. Cashback credited monthly; does not count towards your monthly minimum payment.
Source, checked September 26, 2026
First period offer
Everyday Cashback introductory rate: 1% cashback for the first 90 days, then 0.25%, up to £15 a month
90 days starts from when the account opens; cashback deducted from your card balance monthly. Other fees may apply.
Source, checked September 26, 2026
Country by country
| Country | Ocean Finance Card | Virgin Atlantic Reward Credit Card |
|---|---|---|
| United Kingdom | Yes | Yes |
Questions about each
Ocean Finance Card
Is there an annual fee on the Ocean Finance Card?+
The annual fee is £0, so holding the card year on year costs nothing beyond interest. That suits anyone clearing a balance slowly, since the only bill is what is owed. The rate to watch is the APR on balances you do not clear, at 39.9%.
What is the APR on the Ocean Finance Card?+
The APR is 39.9%, a high rate for borrowing month to month. Interest is the real cost here, because the annual fee is £0 and nothing is charged for holding it. The cheaper route is moving a balance from another lender, where the fee is 2.9%.
Virgin Atlantic Reward Credit Card
Who can apply for the Virgin Atlantic Reward Credit Card?+
The card page says credit is available subject to status only to UK residents aged 18 or over.
Do cardholders need membership to benefit from points?+
Yes. The page says a Virgin Atlantic Flying Club membership is needed to benefit from points earned.
Other options to compare
Other matchups
Ocean Finance Card
Virgin Atlantic Reward Credit Card