Virgin
Credit Cards Review

Compare Virgin Credit Cards Compare Virgin credit cards – read our review and compare the features and benefits available from Virgin. We can help you to make an informed decision and find a card that suits you.

The Virgin Credit Card offers highly competitive introductory interest free periods on both balance transfers and purchases. In addition, Virgin offers 50 interest free days and a variety of discounts for products and services across the virgin group. These include money off Virgin Wines, Holidays and other Virgin financial products.

Virgin also offers a pre-paid card for customers that have a limited financial history allowing customers to load money onto the card at one of many transfer stations and use it like a credit card.
A one off fee of just £9.95 is required on opening the account, then any additional cards cost just £4.95. Every time the card is used to make a purchase or to withdraw cash, a 2.95% transaction charge is deducted from the balance.

 

Virgin Credit Card

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Advice

Virgin Credit Card now uses the 'PayPass service' meaning you can pay for items of £15 or less without having to key in your PIN, simply by hold the card close to a card reader to make the transaction!!!

Introductory Offer
Balance Transfer Rate: 0% p.a. for 20 months
Balance Transfer Fee: 2.99%
Purchase Rate: 0% p.a. for 3 months
Representative APR
Purchases: 16.8% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 16.8% (variable) your Representative APR will be 16.8% (variable).
Annual Rates
Balance Transfers: 16.8% p.a.
Cash Advance: 24.9% p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 50 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 25 Years of Age
  • You have a Good Credit History
  • You are in full time employment
  • You are a permanent resident/citizen of the UK
  • You have a Bank or Building society account

Virgin Pay Monthly Mastercard

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Advice

Used as an alternative to credit cards. Simply top up card with cash and spend. Can be used to buy online if you do not have a credit/debit card.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: N/A
Annual Rates
Balance Transfers: N/A
Cash Advance: N/A
Standard Features
Credit Limit: N/A
Interest Free Days: N/A
On-Line Banking: Yes
Approval Criteria
  • 100% guaranteed acceptance
  • No bank account needed
  • Available for your family aged 13 and over

Credit Card Benefits

  • The card costs £9.95 to buy
  • There is a flat monthly fee of £4.75
  • Free to top up - This can be done at with cash any Post Office or Online Using a Debit Card.
  • No transaction fee for purchases in the UK.
  • A fee of £1.50 isn charged for each cash withdrawal in the UK

Virgin Atlantic American Express Card

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Advice

Get 3,000 Flying Club Miles with your first purchase! Receive 10% discount on Virgin Holidays. Flight upgrades available after £10,000 spend in one year.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 months
Balance Transfer Fee: 2%
Purchase Rate: N/A
Representative APR
Purchases: 17.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 17.9% (variable) your Representative APR will be 17.9% (variable).
Annual Rates
Balance Transfers: 17.9% p.a.
Cash Advance: 20.9% p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 50 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 25 Years of Age
  • You have a Good Credit History
  • You are in full time employment
  • You are a permanent resident/citizen of the UK
  • You have a Bank or Building society account

Credit Card Rewards

  • Get 3,000 Flying Club Miles with your first purchase!
  • 10% discount on Virgin Holidays.
  • £1 spent = 1 Flying Club Mile.
  • £1 spent on Virgin Atlantic / Virgin Holidays = 2 Flying Club Miles.
  • Flight upgrades available after £10,000 of card spending in one year.
  • Complimentary companion flights available after £15,000 of card spending in one year.
  • London - New York (one way) = 14,750 Flying Club Miles.

Virgin PrePaid Travel Money Card

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Advice

Used as an alternative to credit cards & safer than carrying cash. Available in US Dollars or Euros. You apply for the card online, free of charge and load it from your debit or credit card (£100 min).

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: N/A
Annual Rates
Balance Transfers: N/A
Cash Advance: N/A
Standard Features
Credit Limit: N/A
Interest Free Days: N/A
On-Line Banking: Yes
Approval Criteria
  • 100% guaranteed acceptance
  • No bank account needed
  • Available for your family aged 13 and over

Credit Card Benefits

  • No flat monthly fee
  • Free to top up - This can be done at with cash any Post Office or Online Using a Debit Card.
  • No transaction fee for purchases in the UK.
  • A fee of 1.50 Euros or $2 is charged for each cash withdrawal

Virgin PAYG Prepaid Mastercard

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Advice

Used as an alternative to credit cards. Simply top up card with cash and spend. Can be used to buy online if you do not have a credit/debit card.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: N/A
Annual Rates
Balance Transfers: N/A
Cash Advance: N/A
Standard Features
Credit Limit: N/A
Interest Free Days: N/A
On-Line Banking: Yes
Approval Criteria
  • 100% guaranteed acceptance
  • No bank account needed
  • Available for your family aged 13 and over

Credit Card Benefits

  • The card costs £9.95 to buy
  • Free to top up - This can be done at with cash any Post Office or Online Using a Debit Card.
  • A fee of at least £1.50 is charged for each cash withdrawal in the UK

Virgin News

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