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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.84 (802 reviews)

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3.84

Based on 802 reviews, last reviewed 12th Feb 2026

200% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

63%

11%

20%

Latest highest rating:

5

Easy to use app. Easy to use app. But shame about delays on updates. Reviewed on: 22nd January 2026

Latest lowest rating:

1

Very disappointing experience with Virgin Money. Very disappointing experience with Virgin Money. I applied for this credit card specifically because of the advertised 30 months 0% balance transfer o... Read more Reviewed on: 12th February 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 (802)

Very disappointing experience with Virgin Money.

Very disappointing experience with Virgin Money. I applied for this credit card specifically because of the advertised 30 months 0% balance transfer offer. That was the only reason I chose this product. Based on those terms, I transferred a balance from another card. After just two months, I received an email informing me that interest would now be charged at the standard rate. This completely contradicts the expectation set by the 30-month promotional offer. It honestly feels like a bait-and-switch. You advertise a long 0% period to attract customers, then shortly afterwards start charging interest. Customers make financial decisions based on the promotional terms — this is not a small detail. This situation has caused unnecessary stress and financial uncertainty. I would strongly advise others to carefully review all terms and monitor their accounts closely. Trust is essential when dealing with financial institutions — and unfortunately, this experience has seriously damaged that trust. I am now considering submitting a formal complaint and escalating the matter to the Financial Ombudsman Service. Reviewed on: 12th February 2026

Easy to use app.

Easy to use app. But shame about delays on updates. Reviewed on: 22nd January 2026

Good product, good customer service

Good product, good customer service Reviewed on: 22nd January 2026

This bank has one of the worst service out there.

This bank has one of the worst service out there. We have banked with them for over 65 years. The credit card cancels transactions without notification. Things like holiday insurance or taxis to the airport the night before you leave. Then deny it and cant find phones calls you have made to them. Yet acknowledge that you did make a call but mysteriously cant find it. Don't Use them. Reviewed on: 21st August 2025

Would 100% recommend

Great experience and easy to use the app, when I’ve had to contact them it’s always been easy Reviewed on: 13th June 2025

Excellent card service on lost account

I found out about a dormant account that was discontinued more than 10 years ago. It had a balance due to me on the card. I had no card details available other than whatvwas avail le on my credit report. I made a written request, and a agent called me. After a few security questions, he promised to transfer the amount into my current account. Thie money was deposited on the same day. Well done Reviewed on: 12th June 2025

The app is great but can be improved

The app is great although would be better if it included months of transactions and could catagorise your spending Reviewed on: 12th June 2025

THEY CANCELLED THEIR ONLINE ACCESS TO CARD ACCOUNTS-...

THEY CANCELLED THEIR ONLINE ACCESS TO CARD ACCOUNTS- WHICH MAKES ME LOSE OUT ON ONLINE SERVICES---THERE SHALLL BE SOME COURTESY FOR OLDER FOLKS WHO CANT ADAPT EVERY 2 YRS TO NEW TECH SETTINGS Reviewed on: 12th June 2025

Thier credit card service is awsome.

Thier credit card service is awsome. Great offers over long periods of time Reviewed on: 12th June 2025

Reward points easily managed on app

Reward points easily managed on app Reviewed on: 12th June 2025

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