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Virgin Money: Credit Cards reviews

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
See only 5 star reviews
64%
See only 4 star reviews
11%
See only 3 star reviews
3%
See only 2 star reviews
3%
See only 1 star reviews
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
Kirsten O's avatar
Kirsten O

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
Lex T's avatar
Lex T

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.

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Virgin Money Credit Cards reviews (798)

When its hot.....

4
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

1
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

5
Great 0% interest credit card, good app and easy repayment plans Reviewed on: 18th January 2021

Just Awful

1
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

5
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

4
Really straight forward to use, simple app, great service. Reviewed on: 26th June 2020

Excellent

5
Great communication, excellent offers and really easy to use mobile app Reviewed on: 1st June 2020

Great offers, hassle free

5
Virgin Money are easy to deal with and give great 0% offers to existing cardholders, unlike other providers Reviewed on: 18th May 2020

Solid credit card

4
Responses to queries are quick and useful Reviewed on: 1st May 2020

super service

5
Really good services. Highly recommended. Reviewed on: 28th April 2020

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