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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.59 (819 reviews)

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3.59

Based on 819 reviews, last reviewed 4th Sep 2026

50% increase in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

64%

11%

20%

Latest highest rating:

5

Quick balance transfer card Needed a quick balance transfer card for short term purchase with lowest fee and 3 year 0% - Virgin had the best deal on offer and the process of borr... Read more Reviewed on: 14th August 2026

Latest lowest rating:

2

Use MBNA instead - they are fairer Charged me £15 for a payment made slightly late, and doesn't do anything better than MBNA and others. Reviewed on: 4th September 2026

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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.

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Virgin Money Credit cards reviews (819)

Have been using a Virgin Money credit card for sever...

Have been using a Virgin Money credit card for several years and only have positive things to say. It is very reliable and clear in their terms. Reviewed on: 11th June 2026

Simple and easy

An accessible app design that helps to ensure payments are easy to make through your bank account. Customer service is also brilliant for questions as I’ve been connected to an agent in no time and issues have been resolved swiftly! Lots of cashback offers available too! Reviewed on: 7th June 2026

Lower interest rates and good customer service

Lower interest rates and good customer service Reviewed on: 18th May 2026

Excellent balance transfer rates

Excellent balance transfer rates, got me out of a tough time without incurring additional interest Reviewed on: 18th April 2026

Exceptional service and no fuzz outlook

Exceptional service and no fuzz outlook Reviewed on: 17th April 2026

Ignore formal complaints and SAR

I raised a formal complaint and despite replying several times and requesting a SAR they have ignored me. Astonishing isn't it. What is crazy is that I sent two emails ,one regarding the complaint and one about another matter and they replied to the other one but blatantly ignored the complaint despite the strict regulations in places governing credit card providers. On that basis I don't have much good to say. A SAR is a legal requirement, not something you can pick or choose whether to answer. Reviewed on: 16th April 2026

The thing that sets Virgin Money apart is the experi...

The thing that sets Virgin Money apart is the experience from the minute you apply until you register the app. It’s smart, modern, and crystal clear. It’s not your normal bank that uses big confusing words - you know what’s happening now and next. Their app is amazing and very easy to use, and their live chat staff are very friendly and also upbeat. Reviewed on: 13th April 2026

Very disappointing experience with Virgin Money.

Very disappointing experience with Virgin Money. I applied for this credit card specifically because of the advertised 30 months 0% balance transfer offer. That was the only reason I chose this product. Based on those terms, I transferred a balance from another card. After just two months, I received an email informing me that interest would now be charged at the standard rate. This completely contradicts the expectation set by the 30-month promotional offer. It honestly feels like a bait-and-switch. You advertise a long 0% period to attract customers, then shortly afterwards start charging interest. Customers make financial decisions based on the promotional terms — this is not a small detail. This situation has caused unnecessary stress and financial uncertainty. I would strongly advise others to carefully review all terms and monitor their accounts closely. Trust is essential when dealing with financial institutions — and unfortunately, this experience has seriously damaged that trust. I am now considering submitting a formal complaint and escalating the matter to the Financial Ombudsman Service. Reviewed on: 12th February 2026

Easy to use app.

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

Good product, good customer service

Good product, good customer service Reviewed on: 22nd January 2026

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