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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:

Excellent services.

No delay, no unnecessary questions. I like them. Jaroslav Reviewed on: 14th December 2018

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

Easy Track on Spending

It's so easy to keep a track of your spending online. I find it easy to pay my balance/payment online too Reviewed on: 3rd January 2019

Fantastic service for a great product

Not had a moment's issue with virgin money, very professional Reviewed on: 3rd January 2019

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

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