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)

Great

Good credit card, but app is confusing Reviewed on: 4th April 2022

They Think Out of the Box!

When I came to the UK, I had no credit history here. Applied for some credit cards and all were rejected apart from Virgin. They called and verified/asked about my income channels and were pleased to issue me a card. I still have the card (2011) and happily use it. I was subsequently given and used other cards by other lenders but soon cancelled them all albeit my Virgin card. Thank you Virgin Money, you have left an impression and experience I will never forget. The card has a great App and is secure with convenient features. Reviewed on: 10th March 2022

They suck

Customer service is an alien concept. They've removed online access to card balances from all of their customers and introduced a new app. that doesn't work. Dreadful. Avoid. Reviewed on: 21st February 2022

Virgin Money? Give me back my Yorkshire Bank!

Yorkshire Bank customer for over 40 years. Virgin Money customer service is poor. Now I've been forced to use a smart phone app which does not display correctly on my phone, has clearly not been UAT tested correctly and leaves a bitter taste in the mouth. Virgin Money credit card is crap. Reviewed on: 18th February 2022

Excellent offers

Balance and money transfer offers are spot on new offers every couple of months never had a problem with them 10/10 Reviewed on: 15th February 2022

They fail to help customers who do not want to use their App

I was a very happy Yorkshire Bank customer for 40+ years. Since it was taken over by Virgin the whole ethos has changed to can't care less approach. 2 years ago when they tried to insist customers must use their app making me have to get a smart phone - it was a total failure and eventually they stopped insisting on using the App. Now they are ignoring the substantial minority who don't want to use mobile phone apps to manage accounts. It would be quite easy to continue with computer based on-line, where many users feel safer doing on-line transactions on a larger screen. They show no respect for non smart phone customers. Reviewed on: 14th February 2022

Appalling Customer Service

I have been experiencing some irregular charges on my virgin credit card. I was charged over £335 by DD including interest between 5th January and 6th February 2022. Just within one month!!! My balance is about £4500. I thought at least the balance should be decreasing and so I’ve been trying to reach customer service for the past two days for a better explanation. I was on the phone for almost an hour and it abruptly ended. When I try to call again, I was told that they were closed now and were only available between 8am to 6pm!!! It was 18:02 hrs. I was shocked. Now I want to see my balance going down and not shooting up because I’ve not used my card for almost a year. I’m trying to pay off the balance. And the App is not user friendly either. Reviewed on: 7th February 2022

I would have given zero but that wasn't an option

In a few sentences, I locked myself out of my app at the time when online services were taken offline last year. I have been locked out of my account since December 2020, apparently the entire Virgin Money corporation is locked out of my account but every 15th, the magic fairy is happy to sneak into my current account and she apparently has access to my credit card account. The tricky bit is that I can't do much, not even define the amount taken as DD monthly. And because this is a card with 0% interest rate, of course Virgin is fine to be reducing my DD from £120 per month I had a standard to now being £54. Stay Away from this company. Reviewed on: 22nd January 2022

Simple to Use

Straightforward app, easy to use, no issues. Reviewed on: 13th January 2022

Virgin Atlantic Credit Card

I have started using the Virgin Atlantic credit card for all my purchases and by doing this I am earning points towards flights. As long as you pay for what you spend on your card it is great. It is a great card, good credit limit and accepted everywhere! Reviewed on: 12th January 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

Credit Card
from thinkmoney 1.25 from 2 reviews
Credit Card
from Zable 4.94 from 49731 reviews
Purchase Credit Card
from Halifax 3.75 from 18 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