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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.78 (816 reviews)

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3.78

Based on 816 reviews, last reviewed 14th Aug 2026

133% increase in 5 star reviews

in the past 90 days

100% 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:

1

Unprofessional behaviour by senior investigators Till two weeks ago they were great, they blocked me from the app so couldn’t view statements, staff rather blame the customer than investigate why thi... Read more Reviewed on: 18th July 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 (816)

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

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

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