Virgin Money Virgin Atlantic Reward Plus Credit Card review 2021

Earn Flying Club miles aplenty with the most premium Virgin Atlantic card.

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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).

Up to 15,000 points

Intro bonus

63.9%

Representative APR

6 months

0% interest on money transfers

£160

Yearly account fee

Details

IssuerClydesdale Bank
NetworkMastercard
Annual/monthly fees£160 per annum
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 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 and 3 miles for every £1 spend with Virgin Atlantic and Virgin Holidays. Spend £10K a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket.

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 Virgin Money cards designed to earn you Flying Club miles, this card offers a superior earn rate in return for an annual fee.

Following your first purchase you’ll also be gifted introductory bonus miles, and if you spend enough within your first year (see table below) you’ll unlock additional exclusive benefits. Miles get added to your Flying Club account on a monthly basis.

You can spend your miles in a number of different ways, from reward flights to cabin upgrades to shopping. The value of the points depends on what you use them for and how – for example, in the case of a reward flight it will depend on where you want to go, when and in which class. You can read more about how the Virgin Atlantic Flying Club works on this guide.

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

Whether or not the rewards can justify the hefty annual fee will come down to how you anticipate using the card – with big-spenders who clear their balance in full each month being the most likely to come out on top.

The Virgin Money Virgin Atlantic Reward Plus Credit Card is issued on the Mastercard network so it's accepted at nearly 53 million merchants across more than 210 countries and territories.

How does this card compare with other frequent flyer cards?

Table: sorted by representative APR, promoted deals first
Name Product Max. intro bonus Earn-rate with brand Default earn-rate Annual/monthly fees Representative APR Link Incentive Representative example
British Airways American Express Card
10,000 points
1 point per £1 spent
1 point per £1 spent
£0
24.5% APR (variable)
Go to site
Limited time offer: Earn 10,000 bonus Avios when you spend £1,000 in your first 3 months. Earn 1 Avios for virtually every £1 spent. Spend £12,000 annually and get a travel companion voucher when redeeming Avios for a BA reward flight.
Representative example: When you spend £1,200 at a purchase rate of 24.5% (variable) p.a., your representative rate is 24.5% APR (variable).
British Airways American Express Premium Plus
40,000 points
3 points per £1 spent
1.5 points per £1 spent
£250 per annum
101.1% APR (variable)
Check eligibility
As a new Cardmember, earn 40,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership. Earn 3 Avios for per £1 spent directly with BA and 1.5 Avios per £1 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 24.5% (variable) p.a. with a fee of £250 per annum, your representative rate is 101.1% APR (variable).
Virgin Money Virgin Atlantic Reward Credit Card
N/A
1.5 points per £1 spent
1 point per £1.33 spent
£0
22.9% APR (variable)
Earn 0.75 Flying Club miles for every £1 spend and 1.5.miles for every £1 spend with Virgin Atlantic or Virgin Holidays. Spend £20K a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket.
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).
Virgin Money Virgin Atlantic Reward Plus Credit Card
15,000 points
3 points per £1 spent
1.5 points per £1 spent
£160 per annum
63.9% APR (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 and 3 miles for every £1 spend with Virgin Atlantic and Virgin Holidays. Spend £10K a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket.
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).
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Approval for any credit card will depend 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.

Pros and cons

Pros

  • Earn points on day-to-day spending
  • Up to 15,000 points introductory bonus

Cons

  • £160 annual account fee
  • Minimum annual income requirement of £7,000
  • Applicants with low credit scores are unlikely to be eligible

Repayment options

You can make manual repayments through Virgin Money's app, by logging in to your online banking or over the phone (0800 389 2875). Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (£9) 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 Plus Credit Card

If you've compared cards and settled on the Virgin Money Virgin Atlantic Reward Plus Credit Card, 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.

Can I withdraw cash using the Virgin Money Virgin Atlantic Reward Plus Credit Card?

Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as "cash-like transactions" (such as withdrawing cash at an ATM, getting cashback at the till, spending at a casino or buying currency) often incur steep fees and/or higher rates of interest.

The cash advance fee on the Virgin Money Virgin Atlantic Reward Plus Credit Card is 5%.

The interest rate on this part of your balance will be 27.9% (chargeable from the day of the transaction – the card's usual "up to 50 days interest-free" grace period won't apply).

Frequently asked questions

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