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Virgin Money: Credit Cards reviews

Name: Credit Cards
Rating: 3.96 (789 reviews)

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3.72

Based on 789 reviews, last reviewed 6th Mar 2025

300% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

63%

11%

20%

Latest highest rating:

5

Love the balance transfer card I got the balance transfer credit card and it's been a lifesaver, very generous with their 0% transfer offers Reviewed on: 6th March 2025

Latest lowest rating:

1

Please don’t use This card My card got hacked so I cancelled the card. Asked for a new card to be sent out . Card was sent to the wrong address, when I contacted them to ask whe... Read more Reviewed on: 10th February 2025

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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.

Do you have a Virgin Money credit card? If you do then you can help other customers make good financial decisions by leaving a Smart Money People review.

Virgin Money Credit Cards reviews (789)

Review of the Virgin Money, Credit Cards:

Good cashback when using Credit Card

Credit Card gives the opportunity to use cashback. There's a good variety of shops that offer cashback when using Virgin Money Credit Card. I've never had a problem with this card. Reviewed on: 5th September 2024

No hassle no problem

All you want from a credit card and air miles Reviewed on: 15th January 2023

Fantastic Credit Card

I would choose this card over others as it offers fantastic rates, but it’s the app that does it for me. I wouldn’t change it for the world. Reviewed on: 10th January 2023

Appalling customer service

Received my card statement today 31st. Bank shut. Don't do on line. They want payment by 7.1.23 Says it takes 5 working days to process. Isn't open till Tues. Wasn't interested in listening to me asking if I'll get charged a late payment fee. Reviewed on: 31st December 2022

Caveat Emptor

I had a Clydesdale Bank Credit Card for Decades and A new Virgin Money card was forced upon me as the Bank was enforcing new Virgin Money cards. I made a couple of errors when the new card arrived by forgetting key questions. I am a visual Dyslexic. It happens. Then the you know what hit the fan with the new Imperious company looking after Virgin Money Credit Cards. I might like to add, my Credit Card was in credit to the tune of £59. odds. Not thousands in dept. Then the address the card was registered to was a problem, it was my work. I produced all of the evidence and 29 documents from Virgin Money addressed to me at my work address, they also emailed me at my works address frequently but that was still an issue for them. Please be extremely cautious with this inhumane organisation, and if you at all have special needs, go elsewhere. I contacted the CEO of Virgin multiple times and this was useless also. I am getting my money back, but it has taken over 12 weeks and they are still unhappy. I will never have another Virgin money Credit Card, I am a Businessman who requires a bank that is more open and willing to support customers. The disturbing thing is my account was in credit. But they kept whinging about reporting to credit sources. I was in credit not debit. For over a decade my Credit card was addressed to my working address. Caveat Emptor. These people don’t even talk a good game, and that from top to bottom of the organisation Reviewed on: 20th December 2022

easy set up even for a pensioner.

I am 78 years old and needed a card to use abroad with zero foreign currency exchange charges. Saga discontinued my Saga card several years ago and as my wife already had the Halifax Clarity card I needed a different one in case one cards gets lost or stolen on holiday. I downloaded the app from the App Store on my iphone and it was easy peasy. You need a bit of paper to hand to make a note of your username (this can be your email), a password, a six digit numerical passcode and some details from your credit card. Only 4 stars because I haven't used it yet but so far looks good. I did try a Tandem credit card which was excellent but then they started charging a monthly fee so I cancelled it. They claimed it was a benefit to me as the interest rates were lower than other banks but as I always pay off my balance in full each month this was of no benefit to me. I just hope that Virgin don't start charging a fee for their card. Reviewed on: 14th December 2022

Rubbish

Avoid terrible customer service been passed about from pillar to post just to renew a card, Reviewed on: 7th December 2022

Dreadful customer service

Once again, dissapointed by the virgin money credit card. Extremely long wait times on the phone with no resolution in sight Reviewed on: 13th November 2022

Balance transfer sent to someone else 55 days later still not had no money to correct card

Took out card on phone .filled in all details .all were correct .At end screen went blank Came back on and said request completed ..Checked credit card balance transfer should of gone too nothing there transfered. Phoned on numerous occasions. Everytime they say 'it's been recalled as went to someone else .' 55 days later still no money and I'm having to pay them money for I haven't received .fobbed off every time .terrible service .Nothing gets sorted , sent complaint to customer relations and still nothing .at witts end . Reviewed on: 12th November 2022

Do Not Entertain !

This company is an absolute joke and I would never recommend using them for anything. I received my credit card from them. Downloaded the App from Google Play store put in the information to activate the card and nothing, could not get beyond the summary screen showing the information I had inputted. Uninstalled the App and reinstalled the App 3 times, same on each occasion. Spent 1 hr trying to contact someone in Customer Services, nobody ever answered. Sent emails to the addresses provided by VM, all bounced back. reached out on Twitter and Facebook - no response. This was all yesterday so today I though I will give it one last go. Downloaded the App again, same result. Rang Customer Services and this time did manage to speak to a human. The lady tried to suggest it may be an issue with my phone but as I pointed out, how come I can use HSBC online banking, Barclaycard online, you name it, I can use it but not VM App. Was not able to solve the issue so I told VM to cancel the card. Absolute shocking company and terrible CS. Reviewed on: 5th November 2022

Absolutely dreadful

Absolutely non-existent customer service, archaic banking app, complete lack of security and processes that take weeks to fulfil. Currently trying to get a refund for a purchase I made from a company that are now in administration - the website advises I send a letter with print outs of the emails I've recieved alongside my credit card number. Welcome to banking in 2022 with Virgin! Reviewed on: 1st November 2022

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