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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:

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

Excellent service

The only thing missing from this credit card is an app to make it easier to manage the account - unless there's already one available that I'm not aware of. Reviewed on: 5th February 2019

Reply from Virgin Money Hi Ali, we don't have an app at the moment but it is something we're currently working on. We'll be sure to share any news as soon as we can! Thanks, Jane Response date: 5th February 2019

outrageous interest charges

I missed a minimum payment by being 1 day late and was charged over £70 interest for 20 days. This is an outrageous amount. I received a reminder to make payment and I did within the hour but they still charged me Reviewed on: 4th February 2019

Reply from Virgin Money Thanks for getting in touch Sharon, so I can take a look at this for you can you email your details to [email protected]? Thanks, Jane Response date: 5th February 2019

Great Card

Great card. Good benefits and always received great customer service. Reviewed on: 3rd February 2019

Excellent

Easy to setup easy to use Fast reliable effortless Reviewed on: 2nd February 2019

Excellent

Easy to setup ,easy to use Fast reliable and effortless Reviewed on: 2nd February 2019

NO MOBILE BANKING APP WHY !!!!!

NO MOBILE BANKING APP !!!! WHY COME ON VIRGIN WERE IN THE 21ST CENTURY Reviewed on: 2nd February 2019

Reply from Virgin Money Hi Paul, we're working on it at the moment with a few colleagues testing it out as we speak. As soon as we get the green light we'll share more info with you. Thanks, Lindsay Response date: 2nd February 2019

Great service

Everything is easy and straight forward. Never had any problems Reviewed on: 1st February 2019

No fuss, no hassle credit card. No cold calling. No pushy sales patter. Does just what it says.

Virgin should be proud of the services they offer and how they provide them. I have a no fuss, no hassle credit card. No sense of Virgin trying to pull the wool over your eyes. Virgin is very open and honest about the services they can provide. It keeps well within the boundaries of appropriate advice and assistance. There is no hard sell, no cold calling. Follow up Customer Services are excellent. Reviewed on: 31st January 2019

Hard work sorting out issues

Phoned to raise a dispute with a payment. I am going to be posted a form rather than being able to do it on line. If I do want to do it electronically, I have to phone again (when the dispute dept is open) and ask if that is possible. The call taker cannot do that for me. All rather inefficient and inconvenient for customers. Reviewed on: 31st January 2019

Reply from Virgin Money Hi there, I'd be happy to run this by the team again for you if you'd like to email your details across to [email protected]. Thanks, Holly Response date: 1st February 2019

Great Card, Great Service, No Fuss

My Virgin Credit Card allows me to be flexible when it comes to affording life's little pleasures. With a long interest-free payback period I don't have to worry about additional charges. There are regular updates regarding benefits and new offers. The website is very easy to navigate and allows me to keep track of my spending and change my payments accordingly to suit my budget. Reviewed on: 31st January 2019

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Virgin Money: Credit cards reviews

200% increase in 5 star reviews

100% decrease in 1 star reviews

Latest highest rating:

5

Latest lowest rating:

1

About this product

Virgin Money Credit cards reviews (801)

Please don’t use This card

Excellent service

outrageous interest charges

Great Card

Excellent

Excellent

NO MOBILE BANKING APP WHY !!!!!

Great service

No fuss, no hassle credit card. No cold calling. No pushy sales patter. Does just what it says.

Hard work sorting out issues

Great Card, Great Service, No Fuss

Do you have a different Virgin Money product?

Want to see more from Virgin Money?

Help to Buy: ISA

Fixed Rate Savings

Savings

Join Smart Money People

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