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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.78 (816 reviews)

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3.78

Based on 816 reviews, last reviewed 14th Aug 2026

133% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

64%

11%

20%

Latest highest rating:

5

Quick balance transfer card Needed a quick balance transfer card for short term purchase with lowest fee and 3 year 0% - Virgin had the best deal on offer and the process of borr... Read more Reviewed on: 14th August 2026

Latest lowest rating:

1

Unprofessional behaviour by senior investigators Till two weeks ago they were great, they blocked me from the app so couldn’t view statements, staff rather blame the customer than investigate why thi... Read more Reviewed on: 18th July 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.

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Virgin Money Credit cards reviews (816)

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

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

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