98% of its customers in our survey would recommend the brand
3% fee on certain balance transfer cards is high
Compare Virgin Money credit cards
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%.
Compare Virgin Money credit cards
Table: sorted by representative APR, promoted deals first
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 great range of cards which includes balance transfer deals, 0% purchase deals, fee-free spending abroad and of course Virgin Atlantic air miles 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 air miles to convert to flights or upgrades.
Balance transfer credit cards
These deals let you move existing credit card debt to a new card to pay less interest. Virgin Money offers a number of 0% balance transfer deals – going head-to-head with the likes of Barclaycard and mbna.
Money transfer credit cards
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 has several cards offering 0% interest on money transfers for an introductory period.
Purchase credit cards
These cards are designed to help you spread the cost of large upcoming expenditures and are also a good way to take advantage of Virgin Money’s many benefits. Virgin offers a number of cards with introductory 0% interest periods on purchases.
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 air miles through everyday spending. These air miles 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 exclusive offers and discounts such as family trips, luxury holidays and discounts on other Virgin services, like health insurance. Additionally, you get generous cashback when shopping online, personalised card designs and free coffee and WiFi in Virgin lounges.
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 Back?
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.
After logging in, you’ll be able to browse through partner brands. If you already have one in mind, don’t worry there’s a Search function. When you’ve found one that takes your fancy you can click through to their site and shop online as usual.
Virgin Money and the merchant take care of the rest for you. The cashback gets added to your account as a credit, but frustratingly it could take around 90 days.
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. In fact it’s a big draw – if you have children this could be a real bonus (with offers like 25% off admission to major family attractions across the country including places like Kew Gardens).
Once you’ve downloaded the app and verified that you have a Virgin credit card, you’ll then get access to the juicy exclusive deals. The app “syncs” with your credit card, which isn’t quite as exciting as it sounds – the app needs to verify that you’re actually spending on the card each statement period before it shows you offers for the following month. The good news is there’s no minimum spend, however.
The offers update daily and, when we checked, cover off things like travel, food, and beauty/health products and services.
What about other Virgin Group discounts?
Yep – once you’re part of the Virgin ecosystem you can expect plenty of cross-selling. That means discounts on Virgin rail travel, Virgin Experience Days, Virgin holidays, Virgin international money transfer, Virgin travel insurance and even money off balloon flights (prosecco can be guaranteed but Richard Branson at the helm can’t).
There are regular competitions and you’ll also get access to Virgin’s luxury lounges, which are scattered around the UK and provide a luxurious place to relax and make use of free WiFi.
Expert analysis: 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.
How to apply for a Virgin Money credit card
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 may like to apply for and then fill out the online form. You then provide some basic information, such as your age, status and financial background. Virgin Money will then assess if you are eligible and it will not affect your credit score.
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 judgement or a history of defaults. You could also get turned down if you do not have a credit history.
Virgin Money customer reviews
In our 2024 customer satisfaction survey, Virgin Money scored 4.9 out of 5 stars, with 98% of customers saying they’d recommend the brand to a friend.
Contact Virgin Money’s customer support
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Frequently asked questions
Finder credit card ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.
To find out more, read our full methodology.
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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