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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.47 (822 reviews)

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3.47

Based on 822 reviews, last reviewed 13th Oct 2026

75% decrease in 5 star reviews

in the past 90 days

150% increase in 1 star reviews

in the past 90 days

64%

11%

20%

Latest highest rating:

5

Balance Transfer Breeze Made my balance transfer to new Virgin credit card very easy to complete Reviewed on: 13th October 2026

Latest lowest rating:

1

They cancelled my credit card just because i always... They cancelled my credit card just because i always pay my balance off every month. I have a perfect credit score and they had no reason. I recommend ... Read more Reviewed on: 12th October 2026

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About this product

Virgin Money offers a range of credit cards with various features to suit different needs.

Options include cards with 0% interest on balance transfers and purchases for an introductory period, cashback, and no foreign transaction fees. The cards can be managed through the Virgin Money Credit Card app.

Virgin Money credit card reviews help you find out what it’s really like to be a customer. If you’ve used Virgin Money before, you can also leave a review and share your experience.

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Virgin Money Credit cards reviews (822)

Balance Transfer Breeze

Made my balance transfer to new Virgin credit card very easy to complete Reviewed on: 13th October 2026

They cancelled my credit card just because i always...

They cancelled my credit card just because i always pay my balance off every month. I have a perfect credit score and they had no reason. I recommend everyone to avoid this company. Reviewed on: 12th October 2026

Been with Virgin Atlantic since 1989.

Been with Virgin Atlantic since 1989. And a gold card member pretty much all that time. Decided to take the Virgin Atlantic credit card as a loyal member. Bad mistake. Card been blocked 3 times for no reason. Trying to call their customer services is impossible a bunch of useless pre recordings getting you nowhere. I even pressed the button report a fraud just to get a person the line and nothing! So do not use this garbage and Virgin Atlantic beware of the brand reputation as I am throwing the card away!! Reviewed on: 22nd September 2026

Use MBNA instead - they are fairer

Charged me £15 for a payment made slightly late, and doesn't do anything better than MBNA and others. Reviewed on: 4th September 2026

My experience with Virgin Money's fraud investigatio...

My experience with Virgin Money's fraud investigation process was extremely disappointing. My wallet was stolen in the UK and, approximately 30 minutes later, two transactions totalling £1,774.96 were processed by a merchant in North Macedonia. Despite reporting the theft immediately, reporting the transactions while they were still pending, and three further attempts from the same merchant being blocked, Virgin Money rejected my fraud claim because their records showed "Chip and PIN" authentication. What concerns me most is that American Express and NatWest, whose cards were stolen in the same incident, independently identified the activity as fraud and blocked or cancelled the transactions. Virgin Money was the only institution to reach a different conclusion. Virgin Money's fraud investigation process appears to be designed to place responsibility on the customer regardless of the evidence provided and, in my case, was clearly inconsistent with the conclusions reached by established financial institutions such as NatWest and American Express. Even in their final response, Virgin Money acknowledged that the transactions could not have physically taken place in North Macedonia, yet still refused the claim. Based on my experience, I have serious concerns about the fairness, objectivity, and customer focus of Virgin Money's fraud claims process. I would encourage customers to carefully consider how fraud claims may be handled if they ever become victims of theft or card fraud. Reviewed on: 24th August 2026

Beware: Fraud Victims May Be Left Liable

Quick balance transfer card

Needed a quick balance transfer card for short term purchase with lowest fee and 3 year 0% - Virgin had the best deal on offer and the process of borrowing £4000 via balance transfer was easy using my Virgin phone app. Reviewed on: 14th August 2026

Unprofessional behaviour by senior investigators

Till two weeks ago they were great, they blocked me from the app so couldn’t view statements, staff rather blame the customer than investigate why this happened. My credit card is settle by DD but they changed the amount , again not bothering to investigate leave it to the customer to investigate. They then say sorry you’re unhappy with our services. Just done their job for them but they still haven’t resolved the issue and adjust the payment to correct the error . Even there CEO has left it’s no wonder the staff behave as they do Reviewed on: 18th July 2026

brilliant, good interest rates, friendly staff

brilliant, good interest rates, friendly staff Reviewed on: 14th July 2026

Good rates on foreign credit card purchases

Good rates on foreign credit card purchases plus points of value. Whats app easy to manage and use. Reviewed on: 15th June 2026

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