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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.81 (807 reviews)

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3.81

Based on 807 reviews, last reviewed 18th May 2026

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

63%

11%

20%

Latest highest rating:

5

Lower interest rates and good customer service Lower interest rates and good customer service Reviewed on: 18th May 2026

Latest lowest rating:

1

Ignore formal complaints and SAR I raised a formal complaint and despite replying several times and requesting a SAR they have ignored me. Astonishing isn't it. What is crazy is that ... Read more Reviewed on: 16th April 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 (807)

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

Amazing service

The service I have recieved so far from virgin is exemplary . I recommend to all my friends that’s they should have a virgin credit card Reviewed on: 13th January 2019

Mr V

Excellent service, easy to use plus loads of additional services if required Reviewed on: 13th January 2019

not bad

good offers but if t=you have a late payment they cancel the offer Reviewed on: 13th January 2019

Reply from Virgin Money Hi Lisa, if there's something you'd like us to take a look at for you just email your postal address and best contact number to [email protected]. Thanks, Jane Response date: 14th January 2019

Nothing out the ordinary

Same as every other card provider.. offers new customers promotion to get you, then doesn't help you once you are a customer Reviewed on: 13th January 2019

Reply from Virgin Money Hi there, let's take a look at this for you. Would you be able to email your details to [email protected] and we'll take it from there? Thanks, Jane Response date: 14th January 2019

Not very user friendly

Could do with an app. Also need a better breakdown on statements. Real for idiots style would be appreciated. Reviewed on: 13th January 2019

Reply from Virgin Money Thanks for getting in touch Lucy, we don't have an app right now but it is something we're currently working on. We'll let our customers know as soon as there's any news to share! Thanks, Jane Response date: 14th January 2019

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