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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

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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.

Virgin Money Credit cards reviews (801)

Review of the Virgin Money, Credit cards:

Keeps the offers coming

Been virgin customer for years. Recently took on a credit card with brilliant rates. Virgin keeps giving me even better rates so I'm a very happy man Reviewed on: 21st February 2023

Good banking app and competitive fees

Really good banking app and easy to understand fees and various features. Also really good balance transfer rates which helped to pay off my debt. Reviewed on: 5th April 2025

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 change one currency to another! It's not like they are paying someone a wage to do it. It's a computer to another computer. My nab debit card is international fee free so it really makes you wonder how a company like virgin can rip people off and yet nab bank can absorb the fee. Both cards are no annual fee so I don't understand. But I will be closing the account and I will NEVER recommend them to anyone. Stay away from them. Reviewed on: 11th March 2025

Love the balance transfer card

I got the balance transfer credit card and it's been a lifesaver, very generous with their 0% transfer offers Reviewed on: 6th March 2025

Money transfer card

Opened a money transfer card at a 0% rate. Everything went smoothly. Reviewed on: 26th February 2025

Great, easy to use app.

Great, easy to use app. Clear information. Pretty bit of plastic :) Reviewed on: 12th February 2025

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 where my card was they wouldn’t tell me the address it was sent to. They just said it wasn’t sent to the address I asked. I Tried the same process again giving them my address 3 times making sure they had the correct address. Again the same thing happened, I’ve never had an issue receiving mail at this Address, it’s now been one month no card. Tried several times to resolve the problem and the consultants were of no help whatsoever. This card has a few good things going for it in the rewards program but thats about it. This is the first review I’ve ever wrote custom service is the worst, once your card is locked from being hack you cannot access to see any transactions. I wanted to cancel my card and pay out the balance but couldn’t access my profile to double check the transactions. End of the day worst experience cannot recommend this card whatsoever Reviewed on: 10th February 2025

Virgin Money Credit Card

Clear guidance and easy to use app. Very good terms and good transfer rates and 0% interest period. I would definitely use Virgin Money again. Helpful staff when I used the helpline and I didn’t have to wait in a queue for ages either! Reviewed on: 27th January 2025

If you have a credit card and an an app but are lock...

If you have a credit card and an an app but are locked out of your account they are not open 24/7 to unlock your app, not even on a Sunday. If u are in a tight spot rubbish, I was absolutely 100% sure I had used the right password - my wedding anniversary been married 26 years and now locked out went online to try and log in there and not 100% sure of password and now locked out - chose a company with 24/7 customer service please, looking to switch , was messed around on phone told incorrect information ie was open 24/7 so wasted a lot of time ! Reviewed on: 5th January 2025

Virgin Atlantic card wow

Good card. Like the website, like the offers Reviewed on: 28th November 2024

International transaction fee?

International transaction fee? $170? Wow! No fine line when this card would charge you international transaction fee. The charged me for $145 annual fee - used this card for less than a month and happily cancelled it. Will never ever use Virgin Money again! Highly not recommended!!!! Reviewed on: 15th November 2024

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