Virgin Atlantic Reward Credit Card review September 2019

Earn Flying Club miles on your day-to-day spending and benefit from a host of other travel perks.

Finder rating: ★★★★★

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).

6 months

0% interest on balance transfers

22.9%

Representative APR

6 months

0% interest on money transfers

£0

Account fee

Details

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 2,000 bonus miles if you spend £1K within 90 days of opening until 31.1.19.
Minimum Age18
Minimum income£7,000
AvailabilityAvailable to new customers
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

Expert review

Chris Lilly

Review by


Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

One of two similar cards from Virgin Money designed to earn you Flying Club miles on your day-to-day spending, this card has no annual fee, but a lower earn rate. The other – the “Plus” version – boasts a better miles earn-rate at the cost of an annual fee.

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. Flights and holidays booked with Virgin stand to earn you twice the miles. Miles get added to your Flying Club account on a monthly basis.

As standard, your card entitles you to free entry to Virgin Money lounges (don’t forget to register for a Virgin Money Lounge card before you travel).

If you’re a big-spending Virgin Atlantic regular and always clear your card balance in full each month, this card could be worth a closer look. If you’re a really big-spending Virgin Atlantic regular, then you should check out the Plus card. If you don’t tend to clear your balance in full each month, chances are what you’ll pay in interest will outweigh what you’ll earn in miles.

How does this card compare with other frequent flyer cards?

Table: sorted by representative APR, promoted deals first
Updated September 21st, 2019
Name Product Max. intro bonus Earn-rate with brand Default earn-rate Annual/monthly fees Rep. APR Incentive Representative example
5,000 points
1 point per £1 spent
1 point per £1 spent
£0
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).
25,000 points
3 points per £1 spent
1.5 points per £1 spent
£195 per annum
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).
5,000 points
1.5 points per £1 spent
1 point per £1.33 spent
£0
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 2,000 bonus miles if you spend £1K within 90 days of opening until 31.1.19.
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).
15,000 points
3 points per £1 spent
1.5 points per £1 spent
£160 per annum
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 10,000 bonus miles if you spend £3K within 90 days of opening until 31.1.19.
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

Approval for any credit card will depend on your status. The APR shown represents 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.

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 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.

We exist to help you find better. The offers we've compared on this page are from a range of products whose details we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations of these) aren't product ratings, although 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, it's wise to consider getting independent financial advice. Always consider your own financial circumstances when you compare products so you get what's right for you.

Frequently asked questions

What is the Virgin Atlantic Flying Club?
The “Flying Club” is Virgin Atlantic’s rewards programme. It allows you to earn air miles which you can then use to buy flights or flight upgrades. While you aren’t obliged to join Flying Club when you apply for a Virgin Atlantic credit card, it’s definitely a good thing to consider due to the variety of benefits up for grabs. To learn about credit cards targeted at regular travellers, here’s our guide to frequent flyer credit cards.
How are Flying Club miles earned?
You’ll earn Flying Club miles on every flight with Virgin Atlantic, but many people choose to boost their miles earnings by taking out a frequent flyer credit card. With these cards, you’ll earn miles/points every time you spend using the card. You can also typically earn points/miles at a higher rate when you’re spending with the brand that issues the card – in this case Virgin. Bear in mind that a few transactions are exempt from earning points/miles – like cash advances (that’s when you withdraw cash using your credit card).
What’s a good alternative?
Virgin Atlantic frequently go head-to-head in the air miles comparison tables with American Express’s British Airways cards.
What will my credit limit be?
Your credit limit will be confirmed by Virgin Money once you’ve completed your application and it’s been approved. As the exact figure will vary depending on your personal circumstances, Virgin can’t give you an exact figure before your application has been received.

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