Write a review

Go to business site

Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.96 (801 reviews)

View other Virgin Money products

3.85

Based on 801 reviews, last reviewed 22nd Jan 2026

200% increase 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

Easy to use app. Easy to use app. But shame about delays on updates. Reviewed on: 22nd January 2026

Latest lowest rating:

1

This bank has one of the worst service out there. This bank has one of the worst service out there. We have banked with them for over 65 years. The credit card cancels transactions without notificatio... Read more Reviewed on: 21st August 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.

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.

Review Virgin Money: Credit cards now

Help others make smarter decisions by sharing your own experience.

Write a review

Virgin Money Credit cards reviews (801)

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

Great credit card

Great 0% interest credit card, good app and easy repayment plans Reviewed on: 18th January 2021

Just Awful

My experience with Virgin Money has been nothing but extremely bad. I have a Virgin Atlantic Credit Card which had a reasonable amount of money refunded to it from various companies. I tried many many times to contact Virgin Money in order to have MY money refunded to my bank account, but each time I tried to contact them I was fobbed off in fact the last time I telephoned them a lady answered the phone a gave me a number of reasons why she COULD NOT speak to me, after I complained (wasting more time ) she agreed to speak to me....she then told me I failed the security questions....I asked to speak to someone else and was told I had to telephone back.. I was furious that I had to hang up and telephone Virgin AGAIN only to get the same lady.....who then transfered me to someone else AMAZING. I will cancel my Virgin Credit card and I would urge anyone who is thinking about a Virgin Credit Card is to go somewhere else or you could regret it. I only took out a Virgin Credit Card to collect Virgin Atlantic points who are also awful ( cancelled flights with no refund for 4 months when British Airways refunded in 7 days ) I have since taken out a BA credit card which is much much better. Reviewed on: 23rd November 2020

Easy balance transfer

Easy to set up and transfer my balance from another card. Then paid off with no interest over the next 10 months. All hassle free Reviewed on: 12th July 2020

Straightforward

Really straight forward to use, simple app, great service. Reviewed on: 26th June 2020

Excellent

Great communication, excellent offers and really easy to use mobile app Reviewed on: 1st June 2020

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 American Express 4.32 from 124 reviews
Nectar Credit Card
from Sainsburys Bank 2.85 from 97 reviews
Classic Credit Card
from Bank of Ireland 3.37 from 6 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 4.34 from 60 reviews
Savings
from Virgin Money 4.08 from 108 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