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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.96 (802 reviews)

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3.84

Based on 802 reviews, last reviewed 12th Feb 2026

200% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

63%

11%

20%

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

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 o... Read more Reviewed on: 12th February 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.

Virgin Money Credit cards reviews (802)

Review of the Virgin Money, Credit cards:

Trying to resolve an issue...

I have been trying to resolve an issue with Virgin Money since the 25th November, and due to misinformation has now landed me in quite an awful situation, subsequently I'm now being penalised for their mistakes, which if the correct information was provided in the first instance the issue would have been resolved. First line customer services are inexperienced, have a lack of knowledge of most things it seems, poor phone etiquette and a general sense that they just don't care. I have spent so much time on hold from my initial calls, through to being COLD transferred on numerous occasions to the incorrect department, requiring me to reiterate the reason for my call. The mistake they caused will apparently take up to 8 weeks through their complaints team to resolve... which then puts me in a very precarious financial situation due to the circumstances I've been placed in, which being a mistake on their part, this should be looked at as a priority! Severely disappointed with the service offered from all accounts, and certainly will not be using their services again once this issue is finally resolved IF it get's resolved, because from my experience so far, I am not confident. I'd would urge anyone to seriously rethink their options before considering Virgin Money, any mistakes they make, you will almost certainly be penalised for! Reviewed on: 13th December 2021

Great offers, hassle free

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

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

super service

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

Good for Long term 0% interest and easy to use app

I have had a good experience with virgin money with a long term 0% interest card. Easy to use app also! Reviewed on: 27th April 2020

Best ever

Online is very easy to navigate. Messages are replied to very quickly even at weekends. Reviewed on: 17th February 2020

Great experience.

Great value. I don't need to pay overseas transaction charges like with other cards. Reviewed on: 17th February 2020

Great card and great rates

I have had 2 Virgin credit cards over the last few years. Always great rates and easy to use the online banking. Reviewed on: 16th February 2020

Best card company to date

Easy to apple, easy to use, excellent customer assistance and generally exceptional to deal with. Reviewed on: 15th February 2020

No good at resolving unauthorized debits - too slow

I had two unauthorized debits and reported them. Now another one! They have not yet done the chargeback for the first two. Reviewed on: 15th February 2020

efficiency is paramount

I have used Virgin Money credit cards and other money products and I am very pleased with the quality of their service. Reviewed on: 14th February 2020

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