Write a review

Virgin Money: Credit Cards reviews

Name: Credit Cards
Rating: 3.96 (798 reviews)

View other Virgin Money products

3.80

Based on 798 reviews, last reviewed 13th Jun 2025

33% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

64%

11%

19%

Latest highest rating:

5

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

Latest lowest rating:

1

Disgusted with fees Purchased a product from an overseas seller and while I understand there are international transaction fees I wasn't expecting $130 for a computer to ... Read more Reviewed on: 11th March 2025

Read all reviews Write a review

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.

Review Virgin Money: Credit Cards now

Help others make smarter decisions by sharing your own experience.

Write a review

Virgin Money Credit Cards reviews (798)

Worse Experience

They have approved the card after doing all the searches on my credit history and reduced my credit score. Once I got the credit card with approved credit limit they simply freeze my card even I haven’t done a single transaction. When spoke to help centre (Joffrey from support centre)I found my account is under review even I haven’t made a single transaction and even not accessed my account yet. Very terrible experience. WORSE SERVICE I HAVE EVER EXPERIENCED Reviewed on: 4th July 2022

Terrible company

The reviews are true! Truly bad customer service. Avoid at all costs Reviewed on: 29th June 2022

Not worth the hassle

If you ever need to contact them be prepared it may take hours or days or even weeks to try and resolve any issues. Not even used the card yet and I am done with them. They are so unhelpful on the phone even though they are the ones that lost the money for the balance transfer! Go elsewhere. Reviewed on: 29th June 2022

Appalling Customer Service!

Like so many others, it took me days / weeks to eventually get through to somebody on the phone (due to the fact that I was unable to use online services). And when I did, the "customer service" (what a joke) agent was disinterested, rude, unhelpful and clearly had no idea what they were doing. I was constantly being told to "hang on a minute" and "wait a second" whilst they did something in the background and when I asked if they were able to actually help me they told me I was being rude and cut me off. Needless to say, I have closed my account with them, raised a formal complaint and will not be using them again. What a terrible company! Avoid! Reviewed on: 28th June 2022

Impossible to make contact

Having moved recently, I have mislaid account and logon information for a savings account and have not been able to find any remedy online that works. My only remedy seemed to be a phone call: forget it!! I have just had to hang up after a 30 minute wait. Reviewed on: 8th June 2022

Misleading and expensive (read the small print)

After booking a foreign holiday I then looked for a credit card which would not charge transactions fees. Virgin Credit Cards state that there will be no transaction fee for 6 months. I returned from holiday only to find that I had been charged 2.5% on every transactions. When I rang to complain they told me I could not have a refund because it was written in the SMALL PRINT or as they said the "Terms an Conditions" that this doesn't include using it abroad. I've told them to cancel my account as I will be cutting up my card. Reviewed on: 5th June 2022

virgin money are the worst in the UK by a country mile

Its official! By far the worst credit card company in the UK - clueless support staff, rubbish app that does not work. avoid like the plague Reviewed on: 26th May 2022

Beware - designed to nudge you onto the full interest rate

I made one payment 24 hours late so Virgin Money charged me full interest from that point on - suddenly I was paying 22.9% interest instead of 0%. Of course they don't communicate this with you so you find out several months later after parting with £100s of pounds in interest. My fault for paying late, you might say - well I had a direct debit setup which they had inexplicably cancelled. Beware of joining, you may end up being 'nudged' onto the full interest rate. Reviewed on: 5th May 2022

I was in the Stockton branch, cancelling a direct debit and it was very busy, but got dealt with quickly and efficiently and overall was an excellent experience.

I'm not a lover of doing things like this, I'd rather do everything online but I had to go in the bank to sort out the problem and glad I did, as it's made me think, why be bothered about dealing with things publicly. The young gentleman who served me couldn't of been more polite and efficient, actually put me in a good mood for the rest of the day. Problem solving 10/10 and very quick. Cannot recommend this branch anymore highly. Reviewed on: 5th May 2022

Sub standard app

Initially the app is slow to load. Thereafter, at least every 2 weeks, the app fails to load requiring me to to uninstall and reinstall. A bad move to discontinue the Web site Reviewed on: 30th April 2022

Do you have a different Virgin Money product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Advance Credit Card
from Lloyds Bank 3.96 from 60 reviews
Credit Card
from The Co-operative Bank 2.78 from 35 reviews
Cashback Plus Credit Card
from RBS 4.12 from 8 reviews

Want to see more from Virgin Money?

Help to Buy: ISA
from Virgin Money 4.52 from 23 reviews
Fixed Rate Savings
from Virgin Money 4.27 from 60 reviews
Regular Savings
from Virgin Money 4.11 from 59 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub