Write a review

Go to business site

Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.84 (802 reviews)

View other Virgin Money products

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

Read all reviews See your review

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 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

User friendly

Fantastic products and offers for existing customers as well as new customers. User friendly website, easy to manage account, jargon free and friendly, helpful staff over phone. Reviewed on: 31st January 2019

Annoying

I have a new debit card which I tried to add to pay some money. The site won't allow me to add it because the 26 digit number is the same and just the date had changed. Too hard. Reviewed on: 31st January 2019

Reply from Virgin Money Hi Wendy, I'd be happy to take a look into this for you if you'd like to email your postcode and contact number over to [email protected]. Thanks, Holly Response date: 1st February 2019

great customer service

problems happen how you deal with them is key communication has to be clear and understanding the issues vital Reviewed on: 31st January 2019

No hassle

Just don't have any hassle, easy to manage online Reviewed on: 30th January 2019

Website very frustrating

A very poor constructed website that frustrates in order to just pay a credit card. There is no app like every other credit company or bank that makes it easier for people to pay as they go. If I had known this and how awkward the website is, I would have gone with another credit card. Reviewed on: 30th January 2019

Reply from Virgin Money Hi Paul, thanks for your feedback. We're working on an app at the moment so as soon as we get the green light, we'll let you know more about that. Thanks, Lindsay. Response date: 31st January 2019

Great financial company

Virgin are fantastic to deal with. Excellent online portal, looks very secure and easy to navigate. With Virgin your made to feel special. Their products are very competitive. Reviewed on: 30th January 2019

I am made to feel valued

With Virgin you are made to feel valued. Thry provide a financial solution at a fair price, offering great products that help people like me. Reviewed on: 30th January 2019

Great service

Got approved for these cards straight away. If you have any issues they respond very quickly and are very helpful. The offers on 0% are great too. Reviewed on: 29th January 2019

Bravo

Excellent friendly proactive team Reviewed on: 28th January 2019

Do you have a different Virgin Money product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Credit card
from Jaja Finance 1.37 from 143 reviews
Bip Credit Card
from NewDay 4.91 from 2284 reviews
Credit card
from M&S Bank - Marks and Spencer 2.73 from 188 reviews

Want to see more from Virgin Money?

Help to Buy: ISA
from Virgin Money 4.52 from 23 reviews
Fixed Rate Savings
from Virgin Money 4.33 from 60 reviews
Savings
from Virgin Money 4.11 from 108 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub