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Virgin Money: Credit Cards reviews

Name: Credit Cards
Rating: 3.96 (787 reviews)

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3.70

Based on 787 reviews, last reviewed 12th Feb 2025

50% 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

Great, easy to use app. Great, easy to use app. Clear information. Pretty bit of plastic :) Reviewed on: 12th February 2025

Latest lowest rating:

1

Please don’t use This card My card got hacked so I cancelled the card. Asked for a new card to be sent out . Card was sent to the wrong address, when I contacted them to ask whe... Read more Reviewed on: 10th February 2025

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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.

Do you have a Virgin Money credit card? If you do then you can help other customers make good financial decisions by leaving a Smart Money People review.

Virgin Money Credit Cards reviews (787)

Review of the Virgin Money, Credit Cards:

Good cashback perk

Cashback perk can be very advantageous if used smartly. Email newsletter is good with offers and competitions. Managing through phone isn’t the easiest as some competitors - no app with iphone finger scan. Reviewed on: 19th November 2018

Reply from Virgin Money Hello James, thanks for sharing your feedback. We'll update our customer in regards to an app as soon as we have any news. Thanks, Lindsay. Response date: 22nd November 2018

Great rate offers, brilliant comms and customer experience

Applied for a Virgin Credit because of a zero rate offer. I was pleasantly surprised by the fast response. Security is tighter than any of my other card providers. You do have to be up to date with modern tech: phone, text, online. When I have had to phone for help, the customer service offered has been exceptional. Regular rate offers and updates via text/SMS. Brilliant. Reviewed on: 6th January 2019

Very helpfull

The balance transfer option is awesome Reviewed on: 5th January 2019

Really poor customer service - charged 2.5% to decrease credit card limit

Incredibly long winded process to get through to the right department. Unhelpful and unclear customer service. Charging 2.5% to decrease the limit on my account and not understanding or explanation as to why from the customer service team. Reviewed on: 5th January 2019

Reply from Virgin Money Hi Samantha, thanks for getting in touch. If you'd like us to see if there's anything we can do to help just email your details to [email protected]. Thanks, Jane Response date: 6th January 2019

Amazing from day 1

Easy, quick and hassle free from signing up to using on a day to day basis. Highly recommend Virgin Money Credit Cards. Reviewed on: 5th January 2019

Excellent provider

Excellent customer service, offers and deals, the ease of access, and so speedy when using online . superb !! Reviewed on: 5th January 2019

Excellent Company

Very easy website to browse and overall great company with good rewards. Reviewed on: 5th January 2019

Good offers regularly, dated bank technology

Virgin are competitive, such is the only reason most people will choose any credit card. The big plus I give Virgin is that they continue to offer additional 0% offers long after you opened the account - this does make it possible to keep it if you didn't want to keep switching credit cards every other year. However, Virgin Money have no banking app for any device, no contactless card and no Apple/Android Pay integration. What more is there to say on that? Perhaps the fact that as a customer you don't find out that these features are missing until you've received the card, because in 2019 it is assumed that a card provider includes options like this. Reviewed on: 5th January 2019

Reply from Virgin Money Hi there, thanks for your feedback. We don't have an app at the moment but are actively working on one. We know that digital wallet functionality is something our customers are looking for, and the team are looking at it. We'll share news as soon as we can! Thanks, Jane Response date: 7th January 2019

Best credit card I have ever had

When I was clearly struggling whilst self employed they didn’t try to “help” by making my situation worse. They are always nice to me unlike my bank. Reviewed on: 5th January 2019

fab credit card

Online application easy. Online servicing straightforward to the extent that I have never needed to call an advisor. Reviewed on: 5th January 2019

Brilliant

Virgin Money offers brilliant offers and an excellent service. Reviewed on: 5th January 2019

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