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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.84 (802 reviews)

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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

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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 (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

Fantastic 0% offer

By getting this card I was able to buy my car without a huge loan and interest and I set up a monthly DD to pay it off before the 0% ended . Win Win Reviewed on: 21st January 2019

Excellent card

They helped me when I needed to stop paying interest charges by giving me a 0% balance transfer when other banks refused ,they have got me back on my feet Reviewed on: 21st January 2019

Very secure

I love the secure feeling i get when using the site its definitely one of the best I've u sed. Shame there's no app yet to make things a bit quicker. Reviewed on: 20th January 2019

Reply from Virgin Money Good to hear from you Chris, we don't have an app at the minute but are actively working on one. We'll share any news with our customers as soon as we can! Thanks, Jane Response date: 21st January 2019

Excellent Product

Always offer good rates, swift transfers and fabulous customer service, would highly recommend as a provider. Reviewed on: 20th January 2019

Really easy to use website, but no app

Great website but an app would be handy Reviewed on: 20th January 2019

Straight Forward and Honest with Great Customer Service

I have fallen foul of so many financial loopholes with banks that I trust no-one when it comes to money but Virgin restored that, so straight forward to use and when I need to check something I get straight through to helpful knowledgeable staff. I can't fault the service (or the lending rates!) Reviewed on: 19th January 2019

Very easy to set up

The ease of use of the web site. The helpful hints and tips on how to manage your account on line and the friendly language used throughout the process whilst applying for a new credit card. All of the terms and conditions were easily explained and I found it a very enjoyable experience unlike other providers I have used in the past. Reviewed on: 19th January 2019

Sensible, reasonable and understanding credit card company

I like this credit card as they are Sensible and reasonable Reviewed on: 19th January 2019

Great Service but need an App

As per my title, this card and company give you all you need bar an App. The logging process via the web appears to be clunky and not slick like something you would associate with the Virgin brand Reviewed on: 19th January 2019

Reply from Virgin Money Hi Mark, we don't have an app right now but it is something we're currently working on. Keep an eye out and we'll share any updates as soon as we can! Thanks, Jane Response date: 21st January 2019

Credit card: awful value and misleading communication

After forgetting to pay my credit card bill, I was informed by email and immediately paid up -including a £9 surcharge. Later, I received a letter by mail informing me of the fee, which I had already paid, and that I would be liable for interest on it. What I was not told, was that my 0% balance transfer interest rate had been cancelled and I would have to pay monthly interest at an exorbitant rate of about 2% per month - way more than the £9 fee. I was given no warning of this until my next bill. I am not impressed - this is daylight robbery. Reviewed on: 19th January 2019

Reply from Virgin Money Thanks for getting in touch Michael, if you'd like us to take a look into this for you just email your details to [email protected]. Thanks, Jane Response date: 21st January 2019

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