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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.78 (816 reviews)

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3.78

Based on 816 reviews, last reviewed 14th Aug 2026

133% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

64%

11%

20%

Latest highest rating:

5

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 borr... Read more Reviewed on: 14th August 2026

Latest lowest rating:

1

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 thi... Read more Reviewed on: 18th July 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 (816)

Unable to use service without a Google or Apple acocunt.

There is no way to access the Credit Card account without a smartphone app - no access via the website, at all. The app does NOT work without Google Play Services, therefore requiring a Google account to install the app legitimately on an Android device. If you choose an iPhone, you need an Apple account. It should NOT be legal to require an account with Google or Apple to access a financial product. Reviewed on: 10th March 2023

Quick, easy

Quick and easy, really great product and helpful staff Reviewed on: 10th March 2023

Great service friendly helpful

Great bank Great service understanding friendly and very helpful Reviewed on: 10th March 2023

excellent App, very detailed.

Virgin keeps me abreast of my spending. Reviewed on: 9th March 2023

Excellent rewards

The Virgin Atlantic points and reward vouchers are super handy and allowed us to fly in upper class when we'd never be able to afford it otherwise. Reviewed on: 9th March 2023

Absolute rubbish

They don’t contact you they are hard to contact on hold at least 45 minutes staff are rude and unhelpful all they care about is squeezing every penny out of you! Reviewed on: 6th March 2023

Fine as a credit card horrendous if you have a problem with a retailer!!

I had used my credit card fine, the app was OK. Annoyed they use your details to try to sell you Virgin Media I did not give permission for that!! I had a problem with a retailer that did not send the goods and in reality looks like they are scam artists! I notified Virgin I had a problem and had tried to rectify it myself to no avail. More than two weeks later the amount is still on the account, they have not notified Mastercard of the problem that will take another couple of weeks!! Mastercard can then take another 90 days to resolve it and then finally I get a refund!! I once had this happen years ago with a different credit card company and it was taken straight off of my account and they dealt with it themselves! I also now find my Equifax record shows I have a dispute with Virgin although I pay everything fine and my credit rating has been reduced drastically!! Don't touch them they are not worth the problems you will get!! Reviewed on: 6th March 2023

Decent rates, but not so great technology

The credit rates are good, but the app which you are required to use in managing the card is fairly poor. Reviewed on: 1st March 2023

Straightforward app

The virgin money app is really easy to use. It's quick and easy to see how much you've spent on your credit card and changing the direct debit amount or the way you pay is easy too. Reviewed on: 28th February 2023

Transparent with offers and rates

First credit card company I’ve dealt with that is completely transparent about your promotional rates in the bank statements. I can see how much money I have left to pay off for each promotion I’ve used and it pays them off in order of which promotion ends first and is very clear about this. I can’t count the number of times I’ve trawled through documents and statements of other banks to find out when my promotional rate ends. Reviewed on: 22nd February 2023

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