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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.96 (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.

Virgin Money Credit cards reviews (802)

Review of the Virgin Money, Credit cards:

Trying to resolve an issue...

I have been trying to resolve an issue with Virgin Money since the 25th November, and due to misinformation has now landed me in quite an awful situation, subsequently I'm now being penalised for their mistakes, which if the correct information was provided in the first instance the issue would have been resolved. First line customer services are inexperienced, have a lack of knowledge of most things it seems, poor phone etiquette and a general sense that they just don't care. I have spent so much time on hold from my initial calls, through to being COLD transferred on numerous occasions to the incorrect department, requiring me to reiterate the reason for my call. The mistake they caused will apparently take up to 8 weeks through their complaints team to resolve... which then puts me in a very precarious financial situation due to the circumstances I've been placed in, which being a mistake on their part, this should be looked at as a priority! Severely disappointed with the service offered from all accounts, and certainly will not be using their services again once this issue is finally resolved IF it get's resolved, because from my experience so far, I am not confident. I'd would urge anyone to seriously rethink their options before considering Virgin Money, any mistakes they make, you will almost certainly be penalised for! Reviewed on: 13th December 2021

no customer service

absolutely appalling lack/absence of customer service. I had to dispute a transaction, and the only way to do it is via post (no email, no phone, nothing else). I produced a substantial report, including all the evidence I had, it was several pages long. It was sent to Virgin Money more than 2 months ago. They completely ignored it. Using this credit card is riskier than using a debit card. Avoid it at all cost Reviewed on: 26th January 2023

Good, but hard to get hold of customer service

It seems they'd rather make you use an app, when it would be easier to speak to a real person. Reviewed on: 21st January 2023

Simple and easy

Such an easy app to use, brilliant service Reviewed on: 21st January 2023

Virgin money credit card

Excellent customer service and app Reviewed on: 19th January 2023

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

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