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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)

very happy with their service. the customer care is brilliant and their financial services are very competitive. Great deal on my credit card balance transfer

great telephone service great credit card balance transfer deal and great app to control how you veiw you information. very very happy customer Reviewed on: 3rd January 2019

Best Credit Card to date

It is the double air miles!!!! Would like to see an app soon Reviewed on: 2nd January 2019

Poor

I was charged a fee for not paying off my balance even though my balance was below the minimum amount I could send payment for - effectively meaning there was no way I could pay off the balance until they had added the fee. I contacted Virgin in advance to ask them how to rectify this but they never replied. They just added the fee. Shite. Reviewed on: 2nd January 2019

Reply from Virgin Money Hi there, thanks for getting in touch. If you'd like us to take a look into this just email your details to [email protected]. Thanks, Jane Response date: 6th January 2019

Unacceptable behaviour

Stay away from virgin money. I made a few late payments (not missed any) Last year as I was facing financial difficulties which were not of my own doing. 8 months on I contact virgin money and asked if they can kindly remove late payments from my file as it was affecting my credit history. Behold I was told they have a strict policy on late payments & refused to do anything about it. Other credit card companies removed it straight away. It seems virgin enjoy penalizing you even though it was 8 months on & I have reduced my debt to 25% of limit. Never agian will i take on any services from virgin. Reviewed on: 2nd January 2019

Reply from Virgin Money Hi Abz, can you email your postal address and best contact number to [email protected] so we can take a further look into this for you? Thanks, Jane Response date: 6th January 2019

Easy & reliable

My current banks 0% interest offer was coming to an end, I did a soft check with them for a new offer but was declined due to recently taking out a mortgage. Did a search online and virgin came up offering 0% interest for 29months & only 1.75% fee for balance transfers and accepted me straight away! I have now moved all of my remaining balance to my new card and set up a direct debit that will easily pay it off before the end of the offer. Thank you Virgin! Reviewed on: 2nd January 2019

Well Pleased

Excellent service and very user friendly web site. Reviewed on: 2nd January 2019

Better than any other bank

Great experience and great deals on credit Reviewed on: 2nd January 2019

Fantastic value

Great card for using abroad Accepted everywhere, no transaction fees, better than tourist exchange rate Reviewed on: 2nd January 2019

Need to up to date with the times

Apple Pay and an app with fingerprint recognition needs to be added for a much better and faster customer experience Reviewed on: 2nd January 2019

Reply from Virgin Money Great to hear from you Gary, we're currently working on an app and will let our customers know once there's any news to share! Apple Pay is not something we currently support, but we understand digital wallet functionality is something our customers are looking for. Thanks, Jane Response date: 7th January 2019

Good service. They listen

If I have made a mistake paying off wrong account. They don’t charge interest, they understood it was genuine error Reviewed on: 1st January 2019

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