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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.

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Virgin Money Credit cards reviews (802)

Easiest company to deal with

Love that I can do everything online and get instant answers Reviewed on: 6th January 2019

Awful Customer Service

Suddenly switched account to paying interest from an interest free deal due to 1 missed payment - no bill or email with payment details sent. Customer care were rude & didn't care Reviewed on: 6th January 2019

Reply from Virgin Money Hi Kadey, can you pop your postal address and best contact number in an email to [email protected] so I can take a look into this for you? Thanks, Jane Response date: 7th January 2019

Very efficient

Great customer service quick to resolve any issues. Super quick balance transfers great long term rates. Reviewed on: 6th January 2019

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

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