Virgin Money Virgin Atlantic Reward Credit Card review June 2019

Virgin Money Virgin Atlantic Reward Credit Card
Virgin Money Virgin Atlantic Reward Credit Card

Earn Flying Club miles on your day-to-day spending.

One of two similar cards offered by Virgin Money that are designed to earn you Flying Club miles on your day-to-day spending, this card has no annual fee, but a lower earn rate.

You’ll also be gifted introductory bonus miles following your first purchase, and if you spend enough within your first year (see table below) you could unlock additional exclusive benefits, such as upgrades or companion flights.

For big-spending Virgin Altlantic regulars who clear their balance in full each month, this card could be worth a closer look.

Key features at a glance

IssuerVirgin Money
NetworkMastercard
Annual/monthly fees£0
Balance transfers0% for 6 months reverting to 22.9%
Balance transfer fee3% for 2 months reverting to 5%
Purchases22.9%
Purchases interest-free periodUp to 50 days
Money transfers0% for 6 months reverting to 22.9%
Cash advances27.9%
Min. credit limit£0
Max credit limitNot specified
Additional cards available3
IncentiveEarn 5,000 bonus miles with your first card purchase made within 90 days of account opening. Earn 0.75 Flying Club miles for every £1 spend. Spend £20K a year on your card and choose an extra benefit - an upgrade to premium, or a Companion ticket. Double miles when you spend directly with Virgin Atlantic and Virgin Holidays through the contact centre and online. Earn an additional 7,000 bonus miles if you spend £1K within 90 days of account opening until 30.6.19.
Annual/monthly fees£0
Balance transfer fee3% for 2 months reverting to 5%
Money transfer fee3% for 6 months reverting to 5%
Foreign usage charge (EU)2.99%
Foreign usage charge (rest of world)2.99%
Cash advance fee5% (min. £0)
Late payment fee£9
Exceeding limit fee£9
Additional card fee£0
Replacement card fee£0
Dormancy fee£0
Minimum Age18
Minimum income£7,000
AvailabilityAvailable to new customers
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
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How does this card compare with other frequent flyer cards?

Comparison ordered by representative APR with affiliated products shown first.
Updated June 19th, 2019
Name Product Purchases Annual/monthly fees Credit limits Rep. APR Incentive Representative example
22.9%
£0
Min. limit £700, max. limit not specified.
22.9% p.a. (variable)
5,000 Avios when you spend £1,000 within 3 months of account opening. Earn 1 Avios for virtually every £1 spent. Spend £20K in 12 months and get 2 for 1 travel when redeeming Avios for a BA reward flight. Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
22.9%
£195 per annum
Min. limit £700, max. limit not specified.
76% p.a. (variable)
25,000 Avios when you spend £3K within 3 months of account opening. Earn 3 Avios for virtually every £1 spent directly with BA, and 1.5 Avios for virtually every £1 spent everywhere else. Spend £10K in 12 months to redeem the Avios for a companion ticket on a BA flight. Earn up to 90,000 bonus Avios points per calendar year, 9,000 points per friends/family that uses Referral Programme and successfully apply for an American Express card (Excl. Basic card).
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £195 per annum, your representative rate is 76% APR (variable).
22.9%
£0
Min. limit not specified, max. limit not specified.
22.9% p.a. (variable)
Earn 5,000 bonus miles with your first card purchase made within 90 days of account opening. Earn 0.75 Flying Club miles for every £1 spend. Spend £20K a year on your card and choose an extra benefit - an upgrade to premium, or a Companion ticket. Double miles when you spend directly with Virgin Atlantic and Virgin Holidays through the contact centre and online. Earn an additional 7,000 bonus miles if you spend £1K within 90 days of account opening until 30.6.19.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
22.9%
£160 per annum
Min. limit not specified, max. limit not specified.
63.9% p.a. (variable)
Earn 15,000 bonus miles with your first card purchase made within 90 days of account opening. Earn 1.5 Flying Club miles for every £1 spend. Spend £10K a year on your card and choose an extra benefit - an upgrade to premium, or a Companion ticket. Double miles when you spend directly with Virgin Atlantic and Virgin Holidays through the contact centre and online. Earn an additional 15,000 bonus miles if you spend £3K within 90 days of account opening until 30.6.19.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £160 per annum, your representative rate is 63.9% APR (variable).

Compare up to 4 providers

Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (0800 389 2875), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:
Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the Virgin Money Virgin Atlantic Reward Credit Card

If you’ve compared cards and want to apply, completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need to make the process as straightforward as possible.

*Disclaimer: The offers compared on this page are chosen from a range of products finder has access to track details from and is not representative of all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The use of terms "Best", "Top", "Cheap" including variations, are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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