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Virgin Atlantic World Elite Mastercard® review

Last updated:  

Get decent value for your spending with Virgin Atlantic World Elite Mastercard® — along with bonus points and discounted tickets.

  • Get this card if… you want to earn rewards for your loyalty to Virgin Atlantic.
  • Pick something else if…you don’t want to pay annual fees or if you want an intro APR offer.
  • Excellent credit score of 670 to 739 recommended.

30,000

Points as welcome offer

Up to 3x

Points

$90

Annual fee

16.74% to 24.74%

Purchase APR (variable)

Details

Product NameVirgin Atlantic World Elite Mastercard®
Card typeMastercard
Annual fee$90
Purchase APR16.74% to 24.74% variable
Balance transfer APR16.74% to 24.74% variable
Balance transfer fee$10 or 3% of the transaction, whichever is greater
Cash advance rate19.74% to 26.74% variable
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Penalty APR29.99% fixed
Foreign transaction feeNone
Interest free periodUp to 25 days
Late payment feeUp to $38
Returned payment feeUp to $27
Additional cardholder fee$0

Expert review

Jennifer Gimbel

Review by


Jennifer Gimbel has over five years of experience informing editorial strategy at one of Disney’s digital media brands. Now as loans editor at finder.com, she strives to create engaging, transparent content to help readers find products to meet their financial goals. On the weekends, you can catch Jenn at the dog park with her pup Olive or exploring the streets of Brooklyn — iced coffee in hand.

Expert review

The Virgin Atlantic World Elite Mastercard® comes with a generous signup bonus of 30,000 miles earned after spending $1,000 in the first 90 days from account opening. You’ll get 15,000 bonus miles on each account anniversary and up to another 5,000 points when you add authorized card users to your account.

If you travel a lot outside the US, you’ll save even more by avoiding the foreign transaction fees that come with other cards. And if you spend $25,000 on purchases annually, you’ll get a second reward ticket for half the Flying Club miles when you redeem them for a Virgin Atlantic Economy reward ticket.

Another travel rewards card

American Express® Green Card

  • Receive up to $100 in statement credits towards any eligible purchase made directly with Away in your first 3 months. Offer ends 1/15/2020.
  • Plus, earn 30,000 Membership Rewards® points after you spend $2,000 on purchases on your new card in your first 3 months.
  • Earn 3x Membership Rewards® points on all eligible travel, from subway swipes and window seats to hotel stays and city tours.
  • Earn 3x Membership Rewards® points at restaurants worldwide.
  • Receive up to $100 per year in statement credits when you use the American Express® Green Card to pay for your CLEAR® membership.
  • Receive up to $100 in statement credits per year on your LoungeBuddy purchases. Use the American Express® Green Card to purchase lounge access through LoungeBuddy to any of the lounges in the LoungeBuddy network — no memberships, elite statuses, or first class tickets required.
  • No foreign transaction fees.
  • $150 annual fee.
  • Terms apply.
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The perks

  • Signup bonus.

    Earn a signup bonus of 30,000 miles after your first purchase with no minimum spend requirement.

  • Miles rewards.

    Earn 3x Flying Club miles when you spend with Virgin Atlantic and 1.5x miles on all other purchases. Spending with Flying Club partners accelerates your earnings, with some partner hotels offering miles for every dollar.

  • Multiple redemption possibilities.

    Redeem your miles for reward seats, companion seats and upgrades with Virgin Atlantic or partner airlines that include Delta, Singapore Airlines, Air New Zealand, Jet Airways and South African Airways. You can also redeem your miles for rewards through partner hotels, retail stores and rental car companies.

  • Tiered benefits.

    Earn 25 tier points for every $2,500 you spend on purchases, with a limit of 50 points in a month. Depending on how many tier points you collect, you can progress from red to silver to gold. Gold-level benefits include 60% bonus miles on every flight, extra carry-on and checked baggage privileges, exclusive clubhouse passes, guaranteed economy seats on any flight and a complimentary companion ticket at your annual renewal. For more on these elite status perks, check out the full Virgin Atlantic Flying Club guide.

You’ll also like …

  • Complimentary concierge service.

    Available 24/7, their concierge service helps you secure dinner reservations, get tickets to events, coordinate business arrangements and more.

  • Trip cancellation/interruption insurance.

    If your trip is cancelled or interrupted due to a covered accident or sickness, you can be reimbursed for the unused, non-refundable portion of the fare, whether it’s a flight, bus, train or cruise — up to $1,500 per year.

  • Trip delay insurance.

    If your trip is delayed more than six hours due to a covered loss, you can be reimbursed for reasonable expenses — up to $250 per trip.

  • Rental car insurance.

    You can decline the rental company’s collision insurance and instead get covered for damages to your rental vehicle through Mastercard when you use it to pay for the rental transaction.

  • Travel accident insurance.

    You’re covered for Accidental Death and Dismemberment Insurance on your flight, bus trip, train ride or cruise excursion when using your Mastercard to pay for the fare.

  • Baggage delay insurance.

    Reimburses you for emergency purchases of essential items like toiletries and clothing if your baggage is delayed four or more hours on a covered trip.

  • Discounted companion tickets.

    Spend $25,000 on purchases in an anniversary year to qualify for an economy companion reward ticket at half the typical miles.

  • $0 foreign transaction fees.

    You don’t have to worry about paying yet more fees when you use this card overseas.

  • Points transfer.

    Easily transfer your miles to other Flying Club members.

  • Security and protection.

    This chip-enabled card offers enhanced protection in more than 130 countries. It also comes with $0 liability guarantee as a safeguard against fraudulent transactions.

What to watch out for

  • Annual fee.

    Paying the $90 annual fee won’t be worth it if you’re not a frequent traveler.

  • Penalties.

    Making a late payment will set you back up to 38%, and returned payments cost up to $27. Also watch out for a penalty APR of up to 29.99% variable.

Compare Bank of America credit cards

Name Product Filter values Rewards Purchase APR Annual fee
2x points on travel and dining and 1.5x points on all other purchases
17.74% to 24.74% variable
$95
Earn 2x points on travel and dining and 1.5x points on all other purchases.
1.5x points on all purchases
0% intro for the first 12 statement closing dates (then 16.74% to 24.74% variable)
$0
Earn 25,000 online bonus points after spending $1,000 within the first 90 days from account opening.
3% cash back on a chosen category and 2% at grocery stores and wholesale clubs for the first $2,500 each quarter combined, then 1% after that and on everything else
0% intro for the first 12 statement closing dates (then 16.24% to 25.74% variable)
$0
Earn $200 after spending $1,000 in the first 90 days form account opening.
N/A
0% intro for the first 15 statement closing dates (then 14.74% to 24.74% variable)
$0
Enjoy a 0% intro balance transfer APR for the first 15 statement closing dates, then variable.
N/A
24.74% variable
$39
Helps establish, strengthen and even rebuild your credit.
3% cash back on a chosen category and 2% at grocery stores and wholesale clubs for the first $ combined quarterly, then 1% after that and on everything else
0% intro for the first 12 statement closing dates (then 15.74% to 25.74% variable)
See terms
Earn a $200 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
2x points on Royal Caribbean and 1x points on all other purchases
16.74% to 24.74% variable
$0
Get 10,000 MyCruise® points after making a purchase within 90 days of account opening - enough for a $100 onboard credit.
3x miles on Asiana Airlines, 2x miles at gas and at grocery stores and 1x miles on all other purchases
16.74% to 24.74% variable
$99
30,000 bonus miles after you make $3,000 or more in purchases within the first 90 days of account opening.
3x miles on Alaska Airlines purchases and 1x miles on all other purchases
17.74% to 25.74% variable
$75
40,000 bonus miles after you make $2,000 or more in purchases within the first 90 days of account opening.
3x miles on Virgin Atlantic and 1.5x miles on all other purchases
16.74% to 24.74% variable
$90
Earn 30,000 bonus miles after spending $1,000 in the first 90 days.
3% cash back on a chosen category and 2% at grocery stores and wholesale clubs for the first $2,500 in combined purchases each quarter, then 1% after that and on everything else
0% intro for the first 15 statement closing dates (then 15.74% to 25.74% variable)
$0
1% cash back on purchases, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined purchases each quarter.
2x miles on all purchases
16.74% to 24.74% variable
$0 intro annual fee for the first year ($59 thereafter)
15,000 bonus miles after your first purchase. Earn another 15,000 bonus miles after making at least in purchases within days of account opening.
3x points on Norwegian and 1x points on all other purchases
16.74% to 24.74% variable
$0
Get 10,000 bonus WorldPoints® reward points after you make a transaction in the first 90 days.
3x points on Allegiant air, hotel, car rental and attractions, 2 points on dining and 1x points on all other purchases
17.24% to 24.74% variable
$59
Earn 15,000 points after spending $1,000 on purchases in the first 90 days from account opening.
3% cash back on a chosen category and 2% at grocery stores and wholesale clubs for the first $2,500 combined each quarter, then 1% after that and on everything else
0% intro for the first 15 statement closing dates (then 15.74% to 25.74% variable)
$0
Earn $200 after spending $1,000 in the first 90 days.
3x points on Amtrak, 2x points on other travel and 1x points on all other purchases
16.74% to 24.74% variable
$79
Get 20,000 bonus points after you make $1,000 or more in purchases on your new card within 90 days of account opening.
3% cash back on a chosen category and 2% at grocery stores and wholesale clubs for the first $2,500 in quarterly combined purchases, then 1% after that and on everything else
0% intro for the first 15 billing cycles (then 15.74% to 25.74% variable)
$0
Earn 2% cash back at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined purchases each quarter. After that and on everything else earn 1% cash back.
% cash back on a chosen business category and 2% on dining on up to $50,000 combined each year, then 1% after that and on all other purchases
0% intro for the first 9 billing cycles (then 13.99% to 23.99% variable)
$0
$ statement credit bonus after spending $3,000 on purchases in the first 90 days of your account opening.
See terms
See issuer's website
See terms
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What to know before you apply

Apply for the Virgin Atlantic World Elite Mastercard® if you’re:

  • At least 18 years old.
  • A US citizen or permanent resident.

What credit score do I need?

An excellent credit score of 670 or higher increases the chances of your application’s approval.

How to apply for the card

1. Go to the Virgin Atlantic World Elite Mastercard® product page and click Apply Now.
2. Provide your personal and financial information and click Review your information.
3. Confirm that your information is correct and submit your application.

How long will it take to be approved?

Bank of America processes its applications online, and you’ll typically learn your application’s conditional approval soon after submitting it.

I got the card. Now what?

  • Make timely payments. Register your account online with Bank of America to monitor your spending and make payments.
  • Avoid interest. Make use of the 25-day grace period after each billing cycle to avoid paying interest on purchases.
  • Avoid unnecessary fees. Ensure that there are adequate funds in your bank account when making payments to avoid stiff late fees and bounced-payment penalties.
  • Customer service. Online help is available in the form of BofA’s Ask Jenn, or call 800-732-9194 for support. You can also connect with Bank of America on Facebook @BankofAmerica or Twitter @BofA_Help.

Bottom line

The $90 annual fee for the Virgin Atlantic World Elite Mastercard® could be well worth it if you frequently fly with Virgin Atlantic and its partners or even travel at all. It offers multiple rewards for your spending, including bigger returns for travel purchases. If you don’t fly that often or tend to use other airlines, consider a more flexible rewards card.

Common questions about the Virgin Atlantic World Elite Mastercard®

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