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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:

Excellent service and rates

Couldn't find any company that is even nearly as good. Reviewed on: 14th December 2018

Great easy to manage credit card

Signed up for 0% loan, plus small fee. easy to set up easy repayments in order to repay before interest sets in. Reviewed on: 16th January 2019

Easy access to statements online and

Easy access to online statements and help if needed Reviewed on: 16th January 2019

Fast friendly service

Good honest advice would recommend to friend and family Reviewed on: 15th January 2019

First class

No time wasting. Fast friendly experience Reviewed on: 15th January 2019

Every step has been so easy...

Each and every step from application, to receiving credit, to money management using online services could not be any easier and efficient. Very pleased. Online security and security controls are brilliant! Gives you peace of mind! Reviewed on: 15th January 2019

Purchase interest charges unfair

Being charged interest for a purchase transaction which hits the account on the same day as a payment to cover the purchase is unreasonable. Credit cards should not be operated in such a mercenary manner Reviewed on: 15th January 2019

Reply from Virgin Money Hi Steve, if you'd like me to look into this for you can you drop me an email at [email protected] and I'll check this out. I'd just need your postcode and a contact number. Thanks, Holly Response date: 16th January 2019

Quick, easy and great customer service

I have had no issues with Virgin through the years that I have been a customer. Good offers, not too many marketing emails, excellent customer service and a great website, haven't looked or tried an app so cannot comment on that but I am very happy with each element of the service provided and how they have dealt with me as a customer. Great design choices for the cards as well :) Reviewed on: 15th January 2019

Reply from Virgin Money Thanks for your feedback. Just to let you know we're developing an app at the moment. We'll keep our customers updated on a launch date if you'd like to give it a go in the future. Thanks, Holly Response date: 16th January 2019

statements and customer treatment

I've called to ask for missing statements in the light of the self-assessment as they only keep a very limited number of statements online. Turns out they charge 4 pounds PER STATEMENT. That's right, not the whole year to be posted, but per statement. That's is just ridiculous and unheard of. Barclays charges a fiver for a whole year's worth. The guy on the phone was trying to help but in the end, he did nothing but wasted half an hour of my life. He was a nice guy though. Sending statements is less than peanuts for them and so not worth upset customers. Should have cared less about them trees and opted in for paper statements. Reviewed on: 15th January 2019

Reply from Virgin Money Hi there, I'd be happy to look into this for you. Can you email your details over to [email protected] and I'll pick it up from there? Thanks, Holly Response date: 16th January 2019

poor poor service

unexpected charge when I cancelled a DD close to its payment date. I ensured a replacement debit card payment reached my account on the same date as DD was due. Still charged!! Reviewed on: 14th January 2019

Reply from Virgin Money Let me check this out for you. Can you email your postcode and contact number to [email protected] and I'll take it from there? Thanks, Holly Response date: 16th January 2019

Spot On Service

Been using my Virgin Credit card for a while now. Very easy to monitor and a great service was given when needing additional requirements. Would highly recommend them. Reviewed on: 14th January 2019

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