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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.96 (799 reviews)

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3.81

Based on 799 reviews, last reviewed 21st Aug 2025

100% decrease 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

Would 100% recommend Great experience and easy to use the app, when I’ve had to contact them it’s always been easy Reviewed on: 13th June 2025

Latest lowest rating:

1

This bank has one of the worst service out there. This bank has one of the worst service out there. We have banked with them for over 65 years. The credit card cancels transactions without notificatio... Read more Reviewed on: 21st August 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.

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 (799)

Unbelievable deals

I got an unbelievable 31 months interest free deal. No hassle and easy to us web based account management. Reviewed on: 6th January 2019

Excellent

Excellent card, customer service, I’ve never had any problems Reviewed on: 6th January 2019

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

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