Virgin has a card for just about every situation, plus cards to cover multiple requirements too - find out how they compare. Rates starting from 23.9% to 69.7%.
To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.
Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Moneyfacts.
How do Virgin Money credit cards work?
Virgin Money offers a variety of different credit cards which includes balance transfer deals, 0% purchase deals, 0% money transfer cards, and Virgin Atlantic reward cards.
But the card issuer also tailors rates and offers to the applicant, and won’t reveal its cards until you’ve used its “Card Checker”, which involves handing over personal data.
Types of credit cards from Virgin Money
Virgin Money has a range of credit cards to suit different financial requirements and a variety of purposes, with reasonable interest rates and charges. If you take out a Virgin Atlantic credit card you can also build up Virgin Points to spend on flights or upgrades.
These allow you to transfer money from a low rate credit card into your current account, for example to pay off an expensive overdraft or to withdraw cash. Virgin Money offers one of the best 0% interest on money transfer deals on the market.
All-rounders
If you’re looking for a credit card for multiple financial purposes, Virgin Money should be on your shortlist. Some of its cards can offer 0% on purchases, balance transfers and money transfers plus a variety of rewards. Just watch out for the transfer fees.
Frequent flyer credit cards
Virgin Atlantic credit cards are suitable for those that fly regularly and want to build up loyalty points through everyday spending. These Virgin Points can then be converted to flights or upgrades. The Virgin Atlantic cards compete alongside the British Airways American Express cards.
With a Virgin Money credit card you also gain access to cashback and reward offers.
Virgin credit card rewards
Although only some Virgin Money credit cards are specifically designed for collecting points, they all give you access to the following benefits:
What is Virgin Money Cashback?
It’s a cashback scheme that you can access through the Virgin Money website once you have a Virgin credit card. The card issuer has partnered with more than 500 brands – from household names to, well… not-household names – in sectors from electronics and clothes through to eating out and groceries.
You can see the cashback offers in the app and once registered, all you’ll need to do is spend at the relevant retailers and you will earn cashback automatically.
The cashback can be added to your credit card account as a credit in around 3 to 5 working days. Or you can trade up and exchange your cashback for e-gift cards to use at selected retailers online or in store.
What is Virgin Red?
It’s a second android/iphone app (in other words it’s not the primary app that you’ll use to track your Virgin credit card account) that you can use to access exclusive discounts and offers. Virgin Red is a points scheme that lets you earn Virgin Points every time you spend. You can then spend your points on a range of rewards, whether that’s flights, a case of wine or days out with the family.
You can monitor your balance in the app and you’ll also be able to view the vouchers you’ve purchased. To use a voucher in person, take your phone to the retailer, show the code or QR code and collect the treat you’ve redeemed.
Our expert says: Cashback deals could be a big payday
"It’s worth having a look through the large list of retailers that offer cashback when you use your Virgin Money credit card to shop with them. Although the list of eligible retailers can change, there are lots of recurring brands, including Wowcher, Lego, National Express, Krispy Kreme, Enterprise Rent-A-Car and many more.
And the beauty of it is, you can combine your credit card spending cashback with other voucher codes and cashback offerings from websites and apps such as TopCashback, Quidco and Airtime Rewards. As an example, Laithwaites Wine can be found on all of these platforms, and these rewards can be combined at the same time – giving you 20% back with Virgin Money credit card cashback, 10% back with Airtime Rewards and 8.4% back with TopCashback. It can really pay off if you stack these deals.
Just make sure you remember to redeem your Virgin Money cashback. It will sit in your cashback wallet until you decide to claim it. You can choose to put the money towards your credit card bill, or you can earn an extra bonus by trading up for a gift card to spend at selected retailers."
Applying online for a Virgin Money credit card via the Virgin Money website is a simple and quick process – you can find out if you’re eligible in minutes. You simply select what kind of card you want to apply for and then fill out the online form. You’ll need to provide some basic information, such as your age, status and financial background. Virgin Money will then assess if you are eligible and this won’t affect your credit score. If you’re accepted, you can go ahead and apply in full.
Eligibility requirements
In general there are basic eligibility requirements you will most likely need to meet to be accepted for a Virgin Money credit card. The eligibility requirements are as follows:
You are 18 years or older
You are a UK resident
You have a UK bank or building society account
You have a good credit history
You have an income of £7,000 or household income of £15,000
Why might you not be approved?
It’s important to note that you will not be approved for a credit card if you are bankrupt or in an individual voluntary arrangement (IVA). You are also unlikely to be approved if you have a county court judgment or a history of defaults, or if you don’t have a credit history.
24/7 live chat support available in the app and on the website
Telephone support
For lost or stolen cards, call 0800 011 3210
For app help, call 0800 328 3579
If you have money worries, call 0800 028 6692
Closing your account
Go to the Virgin Money FAQ page and search ‘How do I close my account?’, this will take you to an online form which you need to fill out.
Order replacement card
Open the Virgin Money app, tap the card image at the top of the screen, select “Replace damaged card”, confirm your address, tap to confirm and you’ll see “it’s on its way”. Your card will arrive in between 7 and 10 working days.
Report card lost or stolen
Open the app, tap the card image at the top of the screen, select “Report card lost or stolen”, and click the option “I’ve lost my card”
Our verdict: Are Virgin Money credit cards any good?
Virgin Money offers a wide range of credit cards, whether you want to earn reward points, you’re looking to transfer a balance and spend on your card for less, or you want to carry out a money transfer. Many of its deals are competitive and you’ll be able to benefit from rewards and cashback programmes too.
But, as with any financial product, always compare what else is on the market first to be sure you’re making the right decision.
Frequently asked questions
You can apply easily and quickly by filling out an online form or you can call 0800 389 2875 between 8am and 6pm, Monday to Friday.
This depends on what card you get and your personal and financial circumstances.
You can check your eligibility fairly instantly. If you’re eligible and you decide to apply, you could receive your card in 7-10 days.
You can activate your card by logging in online to Online Services and selecting “Activate your card” or you can call customer services on 0800 633 5045.
Yes. You can use your Virgin Money credit card in over 20 million outlets around the world and over one million cash machines. If you use the card abroad, however, you’ll incur a foreign transaction fee. Virgin Money suggests informing them before you go abroad if you intend to use the card while out of the country.
Every month you have to pay the smallest amount in pounds as shown on your statement. As such, this will either be £25 or the rest of your balance if less than £25. Or it will be the interest, any default charges and annual card fee, plus 1% of the remaining balance, paid by the payment date shown on your account.
All Mastercard credit cardholders are entitled to use their Priceless Cities rewards programme which offers access to exclusive experiences and discounts.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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To make sure you get accurate and helpful information, this guide has been reviewed by Rachel Wait, a member of Finder's Editorial Review Board.
Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio
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Chris has written 567 Finder guides across topics including:
Earn Flying Club miles while you spend with this premium Virgin Money card. Compare rates, fees and perks against alternative options for frequent flyers.
Finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which Finder receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Finder compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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