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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.96 (801 reviews)

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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:

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

Good benefits bad interest

Very high interest but great benefits and flying club memberships. Customer service is good Reviewed on: 23rd April 2019

Easy online platform

I received and excellent incentive, a nicely designed card and easy to use app to manage my account. Reviewed on: 17th April 2019

Disappointed

They sent me a reminder email to pay my credit card after they had charged me £8.00 for late payment Reviewed on: 15th April 2019

Reply from Virgin Money Hi Andrew, if you'd like us to look into this further please email your details over to [email protected] and I'd be happy to. Thanks, Lindsay Response date: 16th April 2019

Virgin Atlantic Card

Great for increasing your points Reviewed on: 15th April 2019

great rates!

long 0% period and cash transfer. Easy to apply. Reviewed on: 15th April 2019

Virgin Money Credit Cards

Easy website very clear and informative. Products easy to understand and easy to apply for. Know whether you will be approved before you apply. Winner Reviewed on: 10th February 2019

No smartphone app, tedious and time consuming account login

Unfortunately, Virgin is the only card provider I use which hasn’t developed a native smartphone app. In addition, the web login is cumbersome and time consuming, as it requires the user to go through lots of hoops and loops without the option to save and auto-fill the login credentials. It’s a pity, really, as otherwise it is a good service. Reviewed on: 10th February 2019

Reply from Virgin Money Hi Alex, thanks for getting in touch. We don't offer an app at the moment but it is something we're currently working on. We'll be sure to let our customers know as soon as there's an update! Thanks, Jane Response date: 11th February 2019

Lies

Terrible service just reduces your credit limit with no warning just when I was going to book holiday for me and my wife who is dienosed with bowl cancer it just turned our words up side down Reviewed on: 8th February 2019

Reply from Virgin Money Hi John, thanks for getting in touch. So I can take a look at this for you, can you email your details to [email protected]? Thanks, Jane Response date: 8th February 2019

Easy to use online, great monthly prizes

So early to log in and manage, super easy to set up, lots of great prizes monthly. From otherwise fantastic customer service I did once have a very annoying call about the credit limit i was granted with a particularly condesending support agent, but one person does not define the company and otherwise it's been a totally smooth experience. Reviewed on: 7th February 2019

Easy and reliable

I have found Virgin Money to be an extremely easy company to deal with and very reliable. The language used to explain terms, processes and requirements is simple to understand, communication is timely, accurate and useful. I've rarely had to contact support due to their really helpful self serve options however on the one or two occasions that I have, resolutions have been quick and useful. Virgin Money promote competitive offers in a respectful, responsible and unobtrusive way. I would have no qualms in recommending to a friend, colleague or family member (and have done). I even like the look of the card! Good luck and cheers. Reviewed on: 6th February 2019

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