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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.96 (799 reviews)

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3.81

Based on 799 reviews, last reviewed 21st Aug 2025

100% decrease 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

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

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.

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Virgin Money Credit cards reviews (799)

Sudden credit decrease decisions following increase, no App, bad customer service line

I wouldn't exactly say they are the best on the market to be quite honest. Called them, they increase your limit and wihtin less than 20 days decrease it leaving you high and dry after you cancel you other cards. Poor customer service line, NO app. Hardly the best as they claim. Reviewed on: 25th January 2019

Reply from Virgin Money Hi Tessie, so I can look into this can you email your details to [email protected]? Thanks, Jane Response date: 26th January 2019

Trouble free

I recently contacted Virgin customer services when I lost my credit card and they where very helpful in first cancelling lost card and sending replacement without any hassle. Reviewed on: 25th January 2019

Good service, poor tech!

I sign in and use facilities on my phone... very frequently everything stops working; drop down menus don’t work pages won’t load... where’s the easy to use APP? I bank with nationwide and their banking APP is fantastic! Fingerprint log in, simple easy to use layout, everything works a treat... Currently I wouldn’t consider switching current accounts, if you want my money get with the times!!! Reviewed on: 25th January 2019

Reply from Virgin Money Hi there, we don’t have an app at the minute but are actively working on one. We’ll share news and when it will be available as soon as we can! Thanks, Jane Response date: 26th January 2019

Above everyone else

Excellent care advice & service. Cannot recommend highly enough. Reviewed on: 25th January 2019

all the talk but customer experience is terrible

unable to resolve the simplest of balance transfers, poor communication and lack of knowledge Reviewed on: 25th January 2019

Reply from Virgin Money Thanks for getting in touch Charlotte, if you'd like us to take a look into this for you just email your details to [email protected]. Thanks, Jane Response date: 26th January 2019

Fantastic service with rates to match

The Virgin Bank service is first rate; having been banking with Virgin for nearly two years not once have I encountered a problem. They offered the best rates available to me at the time which has really helped with my personal finances. Definitely recommended. Reviewed on: 25th January 2019

Handy card

Reasonable and easy to manage on line Reviewed on: 24th January 2019

painless procedure

From the application to getting my card I was amazed how quick and painless it was. It took 5 mins to fill in my online application, some applications I have done were very long and wanted your life story not virgin money, they accepted me straightaway and told me everything I needed to know ie credit limit, what happens next etc, my pin arrived within a few days and then the card everything was so smooth. I am now registered on line and can view quickly my credit card account and more importantly keep track of everything. Reviewed on: 24th January 2019

Easy, efficient, great 0% offers

Have used several credit card providers this is one of the best. Their website is easy to use and they have great 0% offers on balance transfers and money transfer and this is quick and easy to use. Reviewed on: 24th January 2019

Fantastic offer on 0% purchases

Simple application told straightaway if you have been accepted - great design for your card. Quick & simple registration. Reviewed on: 24th January 2019

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