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Virgin Money: Credit Cards reviews

Name: Credit Cards
Rating: 3.96 (792 reviews)

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3.73

Based on 792 reviews, last reviewed 17th Apr 2025

500% increase in 5 star reviews

in the past 90 days

33% decrease in 1 star reviews

in the past 90 days

63%

11%

20%

Latest highest rating:

5

The staff are absolutely fantastic they are helpful,... The staff are absolutely fantastic they are helpful,will come and ask if you are okay and can they help in anyway. Reviewed on: 17th April 2025

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

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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.

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 (792)

Review of the Virgin Money, Credit Cards:

Awful customer experience and paper-based beurcracy

LONG STORY SHORT: The call centre staff are not well trained, they are not equipped to do anything over the phone. You can sign-up online without any unusual ID checks. If you then want to do anything. You need to be prepared to do it by post, sending originals, or officially verified copies. ITS 2023, why is it so hard!!? LONG STORY: They have an incorrect DoB for me. As requested I went to a Virgin Money store, where I then had to sign and post a copy of my ID. 2 weeks later, its not updated. My wife has called for a new PIN as an additional cardholder. Told the agent she would fail as my DoB is wrong, they said its fine, fail security, call back get to a higher level and they'll fix it. She failed security, when she phoned back, they have blocked my account and my card. The only way to fix it now is to verify a copy of my passport, send an original proof of address by post and they'll unblock the account (which is yet to work for changing my DoB, I have no faith). The call centre staff don't know what to say but "sorry, its the company policy" on repeat. If I didn't want the Virgin Miles I would just leave it blocked and walk away! Reviewed on: 14th August 2023

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

VIRGIN CREDIT CARD USELESS KNIGHTMARE STAY AWAY

Refused 1 Transaction x 7 times available credit card on account all ok I called them they stated try again I told them forget it Went to another card it worked straight away USELESS VIRGIN CREDIT CARD RUN A MILE DONT GET 1 OF THESE OF YOU WANT TO USE YOUR CARD Reviewed on: 26th October 2024

Good cashback when using Credit Card

Credit Card gives the opportunity to use cashback. There's a good variety of shops that offer cashback when using Virgin Money Credit Card. I've never had a problem with this card. Reviewed on: 5th September 2024

Amazing balance transfers

Amazing balance transfers, super simple process and 0% interest Reviewed on: 24th August 2024

Easy and simple process

Looked to complete a balance transfer with my Virgin credit card via their app. Got partially through the process and then was asked to contact them. Had to wait about 5 minutes but the advisor was extremely helpful and then took me through the rest of the application. It was simple and easy to do and now I just need to wait for the approval via an email. Reviewed on: 25th July 2024

virgin altanic credit card

Held virgin altanic credit card for years since 2019/2020 just for collecting points for daily shopping. It is free and wider accepted as it is a Mastercard. When I visited France in May, I discovered the card has a free spending within EU zone, that just made my day as I have just closed my Barclay card no long ago. Very handy, which means outside of UK spending also can collection points, what a great value! Reviewed on: 7th June 2024

Poor communication

I endured many phone calls and many errors and generally broken lines of communication and wrong information. Despite many letters phone calls and emails I was compensated for their errors but was left very scarred by the experience would never use them again. Reviewed on: 4th June 2024

Virgin money good reputable company

Virgin money good reputable company Reviewed on: 3rd June 2024

Money Transfer Credit Card

Never heard of a Money Transfer Credit Card before but found an excellent, long no-interest card from Virgin which has really helped me out a lot. Excellent product and easy to apply for. Reviewed on: 31st May 2024

Twice ( and now I’m on holiday ) my card has been bl...

Twice ( and now I’m on holiday ) my card has been blocked , access to the website blocked and not once a text or a warning. And we think a cashless society is the way to go. Not with Virgin it isn’t. I’m was escorted to a money change to change currency to pay a bill. And now no one can be reached as it’s out of hours. Brilliant service!!! B Reviewed on: 28th May 2024

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