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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:

Trying to resolve an issue...

I have been trying to resolve an issue with Virgin Money since the 25th November, and due to misinformation has now landed me in quite an awful situation, subsequently I'm now being penalised for their mistakes, which if the correct information was provided in the first instance the issue would have been resolved. First line customer services are inexperienced, have a lack of knowledge of most things it seems, poor phone etiquette and a general sense that they just don't care. I have spent so much time on hold from my initial calls, through to being COLD transferred on numerous occasions to the incorrect department, requiring me to reiterate the reason for my call. The mistake they caused will apparently take up to 8 weeks through their complaints team to resolve... which then puts me in a very precarious financial situation due to the circumstances I've been placed in, which being a mistake on their part, this should be looked at as a priority! Severely disappointed with the service offered from all accounts, and certainly will not be using their services again once this issue is finally resolved IF it get's resolved, because from my experience so far, I am not confident. I'd would urge anyone to seriously rethink their options before considering Virgin Money, any mistakes they make, you will almost certainly be penalised for! Reviewed on: 13th December 2021

Fair and efficient

Great initial rate offered and new promotional rate offered when that one expired which was very competitive. Recommended. Reviewed on: 4th January 2019

No problems with my Virgin Credit Card

Everything always runs smoothly. Always make payments on time. Reviewed on: 3rd January 2019

Great Service

Virgin Credit Card does all that it says on the box! Simple to apply and set up. Speedy delivery of the card and paperwork Reviewed on: 3rd January 2019

The Credit Card service I trust most

Virgin Money -easy to access,consistently reliable,friendly& helpful advisors. Reviewed on: 3rd January 2019

Excellent service

I feel very comfortable using Virgin Money unlike another card provider I used. I had a query which was dealt with promptly with one 'phone call by a very helpful and friendly member of staff who explained things clearly to me. My problem was immediately solved and, as promised, my account was updated in minutes. Very impressed. Reviewed on: 3rd January 2019

Excellent. No problems

No problems. Like that we can use it in usa with no additional charges/fees for using it overseas add you do with other cards Reviewed on: 3rd January 2019

Never had any problems

Never any problems. We like the fact that we can use this card abroad in the USA with no additional charges/fees for using it overseas! Excellent. Reviewed on: 3rd January 2019

Magical moments and hassle free banking

Excellant comunications from a world leader Reviewed on: 3rd January 2019

Sterling service

I have not used Virgin banking for some time but returned recently for various reasons. The main reason being the banking app is so easy to access and use unlike the previous bank app which was unusable despite many visits to various branches and several phone calls to help lines . Virgin is best for service . Reviewed on: 3rd January 2019

Changed my life

Virgin Money Credit Cards have absolutely changed my life and financial health for the better. Their service is outstanding and they don't plague me with emails and offers, unlike some other credit card providers. They worked with me to give me the best possible rate to help me begin managing my debt and future finances properly. When a company gives you such stellar service, you absolutely remain loyal to them. I can't recommend them enough! Reviewed on: 3rd January 2019

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