Write a review

Virgin Money: Credit Cards reviews

Name: Credit Cards
Rating: 3.96 (787 reviews)

View other Virgin Money products

3.70

Based on 787 reviews, last reviewed 12th Feb 2025

50% 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

Great, easy to use app. Great, easy to use app. Clear information. Pretty bit of plastic :) Reviewed on: 12th February 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

Read all reviews See your 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.

Virgin Money Credit Cards reviews (787)

Review of the Virgin Money, Credit Cards:

Nice easy product

Quality product with good app and clear information and commuinication. Reviewed on: 11th January 2022

Indifferent service arranged to suit Virgin rather than it's customers.

Dealing with Virgin fells as if it's all too much trouble for them and it's certainly too much trouble for me. Doing it yourself as a very small provider is clearly not effective. Use the app or receive third class service seems to be the Mantra. Latest change is to use Corona Virus as excuse to answer phones 10am to 2pm even when fraud suspected. Card not used much now and when used only due to supplier not taking Amex BA or Swiss Miles & More. Might I suggest the Virgin management check the 24 hour effective pleasant service provided by Amex. Reviewed on: 16th April 2021

Strong Offer in a Competitive Market

I needed to get my monthly credit card payments under control and I found Virgin Money's 0% Interest offer one of the best value for money offerings available, the whole process was simple and I am very happy with their services. Reviewed on: 8th April 2021

Poor customer service

I have a credit card with Virgin and had set up a Direct Debit to pay the Minimum payment each month which have never been missed. I chose this this card as it had 0% and had transferred a balance from another card and have made no further purchases or transactions. Just before Christmas they sent me an email informing me that as I was only paying the minimum each month they would have to reduce my credit limit as they felt I couldn't control my debt and was a bad credit risk I was a little shocked at this as like I said I have never added anything except the initial balance transfer. Worried that this might be affecting my credit score I increased my payments only to receive another email a few days later saying they had increased my balance back up. Reviewed on: 19th March 2021

App has improved

Their app has improved and I can now control more than one credit card from the app, however, they have removed the option to manage credit card accounts from their website and I have had issues when contacting them via telephone, with problems left unresolved. Reviewed on: 1st March 2021

App Only

You can now only manage your credit card on their pathetic app as opposed to being able to do it on a website on your computer. A quite ridiculous decision in this day and age. The app is very poor, takes 10 times longer to use, and often crashes. There is literally no option to use on a computer any more. Crazy. Reviewed on: 26th February 2021

Account blocked

My account has been locked for 7 days!! On Friday afternoon, after trying to make a substantial transfer to buy a car, I was told to call the bank. They were unable to verify my ID over the phone, so I was told to take ID to a branch. I asked which branch is the nearest, they couldn't inform. Banks close at 2pm. So on Monday morning I visited the nearest Virgin money branch and I was told that they cannot help, I need to go to another branch Enfield or Kensington, miles away by public transport, during this pandemic, I'm over 50 with asthma. So I called them again, 6th time, every time it's 20 minutes or more waiting, I told them I don't need to make the transfer anyway, already lost my car! And I asked if I could send my ID by email, so advisor gave me the link to upload my passport, document submitted successfully 3 days ago but my account is still locked!! Reviewed on: 24th February 2021

App is pants, separate logins online and app

Having separate logins for website and app was weird, thankfully they have removed their website - however it appears some of the functionality has not been added to the app (e.g. updating address) from the website. Reviewed on: 18th February 2021

Highly recommended

Great balance transfer periods. Helped me to become debt free. Highly recommended. Reviewed on: 17th February 2021

When its hot.....

Virgin offer some of the best products on the market, but not all the time, if you r lucky enough to look at the right time theres no doubt you'll be better for it Reviewed on: 17th February 2021

Atrocious - I just don't have words

Someone at Virgin Money decided to turn the credit card management website off which is how I have always managed my card. (whoever made this decision should be removed from their position for incompetence - whoever heard of a bank in the 21st Century without online banking/card management via a website?). I rang to see how I could get access and to ask for my card details as I can't find the card (no card - no app access). They can't be provided over the phone and it will be 7-10 days for a new card. I asked the question 'how do I manage my account if I don't have a smart phone?' I was told you have to ring which means sitting on hold for ages - there is no other option. I was asked to go through extended security to order a new card - part of the security questions involved answering questions specific to the account which I don't have access to so I failed security and have been told I can't order a new card! I was transferred to a different department, (had to sit on hold for 15-20 minutes to try and go through security again), which I failed again because I was asked questions specific to the account (again). The account is now locked and I can't access it without sending (via Royal Mail - there isn't even an email option)photographic ID to ID myself (I've allowed my passport to expire as I don't see the point in renewing at the minute due to Covid), the options for ID are limited and strangely I don't have a firearms certificate. So its now effectively impossible for me to access my account. I asked if I could close the account and was told 'no - account is locked', if you don't have the photographic ID it will have to go through a complaints procedure that takes up to 8 weeks (even then there is no guarantee the account can be accessed) I've never heard of anything quite so ridiculous...... I also requested all of my information that Virgin Money holds on me under the data protection act (a subject access request) and the request was denied on the grounds that the account is locked - they said I can't verify who I am (my understanding is they are not allowed to do this). I pointed out the account lock is irrelevant, I'm asking for the information to be sent to my home address which is registered against my account. Reviewed on: 1st February 2021

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

Nectar Credit Card
from Sainsburys Bank 2.86 from 94 reviews
Nectar Credit Card
from American Express 3.76 from 12 reviews
Classic Extra Card
from Capital One 3.85 from 6 reviews

There's still more to see!

Virgin Money has a range of products available. Check the ratings of each product to find the right one for you. 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