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:

Seriously so easy and understanding.

We have had no hassle what so ever from Virgin they have been absolutely brilliant we had to ring about extending our credit and staff where so friendly and very helpful no hidden fees says exactly what it does on the tin, we would deffo recommend to family and friends :) Reviewed on: 14th December 2018

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

Very quick process

I applied for a 23 month interest free transfer card, within 2 days they had paid off my previous credit card and then confirmed everything had gone through fine. I did call to chase after 1 day because i am very impatient but the bloke on the phone was very friendly and helpful Reviewed on: 18th January 2019

best credit card

easy to deal with and excellent customer service. Website easy to navigate and competitive rates Reviewed on: 18th January 2019

Easy to use

Great service, great offers - very easy to use. Love it. Reviewed on: 18th January 2019

Virgin on the ridiculous and exceptional service

Brilliant credit card, great offers on transfers Easy to navigate web site A trustworthy brand Reviewed on: 18th January 2019

Utterly incompetent

SECOND time Virgin have done. I pay my balance over the phone and the useless incompetent thieving ******* don't process it. And then proceed to charge penalties for none payment! I even have the phone call recordings for proof. But just try and get it in to their THICK DUMB heads and get something done about it... its IMPOSSIBLE. SCUM company. Reviewed on: 18th January 2019

Reply from Virgin Money Hi Richard, let's take a look into this for you. If you could email your postal address and best contact number to [email protected] I'll take it from there. Thanks, Jane Response date: 21st January 2019

Can't fault them

Very user friendly, easy to manage your account online and on the phone. Always got through to friendly helpful staff that actually sorted your problem without passing you around. Knowledgeable staff. Love the lounges! They also look after you by providing discounts like 20% off experience days. Reviewed on: 18th January 2019

Classic Service

The whole process of applying for and managing our account as been seamless and faultless Good old fashion customer service with an accessible and easy to use website Reviewed on: 16th January 2019

Customer At Heart

Very clear that VM look to make things as easy as possible for the customer. Application process simple and fast. They have been very fair and engage me when necessary so far Reviewed on: 16th January 2019

Brilliant Bank!!

Best bank and credit card provider by far! Reviewed on: 16th 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

British Airways credit card
from American Express 4.32 from 83 reviews
Chrome Card
from Vanquis 4.18 from 8 reviews
Credit card
from Zopa 4.93 from 41972 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