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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.59 (819 reviews)

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3.59

Based on 819 reviews, last reviewed 4th Sep 2026

50% increase in 5 star reviews

in the past 90 days

300% 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:

2

Use MBNA instead - they are fairer Charged me £15 for a payment made slightly late, and doesn't do anything better than MBNA and others. Reviewed on: 4th September 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 (819)

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 notification. Things like holiday insurance or taxis to the airport the night before you leave. Then deny it and cant find phones calls you have made to them. Yet acknowledge that you did make a call but mysteriously cant find it. Don't Use them. Reviewed on: 21st August 2025

Would 100% recommend

Great experience and easy to use the app, when I’ve had to contact them it’s always been easy Reviewed on: 13th June 2025

Excellent card service on lost account

I found out about a dormant account that was discontinued more than 10 years ago. It had a balance due to me on the card. I had no card details available other than whatvwas avail le on my credit report. I made a written request, and a agent called me. After a few security questions, he promised to transfer the amount into my current account. Thie money was deposited on the same day. Well done Reviewed on: 12th June 2025

The app is great but can be improved

The app is great although would be better if it included months of transactions and could catagorise your spending Reviewed on: 12th June 2025

THEY CANCELLED THEIR ONLINE ACCESS TO CARD ACCOUNTS-...

THEY CANCELLED THEIR ONLINE ACCESS TO CARD ACCOUNTS- WHICH MAKES ME LOSE OUT ON ONLINE SERVICES---THERE SHALLL BE SOME COURTESY FOR OLDER FOLKS WHO CANT ADAPT EVERY 2 YRS TO NEW TECH SETTINGS Reviewed on: 12th June 2025

Thier credit card service is awsome.

Thier credit card service is awsome. Great offers over long periods of time Reviewed on: 12th June 2025

Reward points easily managed on app

Reward points easily managed on app Reviewed on: 12th June 2025

The staff are absolutely fantastic they are helpful,...

The staff are absolutely fantastic they are helpful,will come and ask if you are okay and can they help in anyway. Reviewed on: 17th April 2025

Good banking app and competitive fees

Really good banking app and easy to understand fees and various features. Also really good balance transfer rates which helped to pay off my debt. Reviewed on: 5th April 2025

Disgusted with fees

Purchased a product from an overseas seller and while I understand there are international transaction fees I wasn't expecting $130 for a computer to change one currency to another! It's not like they are paying someone a wage to do it. It's a computer to another computer. My nab debit card is international fee free so it really makes you wonder how a company like virgin can rip people off and yet nab bank can absorb the fee. Both cards are no annual fee so I don't understand. But I will be closing the account and I will NEVER recommend them to anyone. Stay away from them. Reviewed on: 11th March 2025

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