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Virgin Money: Credit cards 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
See only 5 star reviews
63%
See only 4 star reviews
11%
See only 3 star reviews
3%
See only 2 star reviews
3%
See only 1 star reviews
20%

Latest highest rating:

5

Easy to use app. Easy to use app. But shame about delays on updates. Reviewed on: 22nd January 2026
Tom's avatar
Tom

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
Marcin Czerniawski's avatar
Marcin Czerniawski
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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)

Success story

5
I thoroughly enjoy using my Virgin Money Credit card to purchase most items. I look forward to receiving my Flying Club miles and appreciate the benefits of using my Air-miles. Reviewed on: 31st December 2018
Carol Hartley's avatar
Carol Hartley

Success story

5
Thoroughly enjoys using my Virgin Money Card. I look forward to receiving my Flying Club points and appreciate the benefits. Reviewed on: 31st December 2018
Carol Hartley's avatar
Carol Hartley

Easy and painless

5
Easy to use website. Quick decisions and updating Reviewed on: 31st December 2018
Chris's avatar
Chris

Quick and stress free

5
Easy to use online for even techno phobias dinosaurs like me, like updating preferences or applying for occasional cash transfers . Fast decisions. Reviewed on: 31st December 2018
Chris's avatar
Chris

Online services

2
Credit card works well, especially worldwide transactions, however in this day and age there should be an app or a better online experience, Virgin falls far behind all my other financial products in this area, improving this would change my rating considerably Reviewed on: 31st December 2018
Martyn Pain's avatar
Martyn Pain

Easy application process and set-up.

4
Easy application process and set-up. Generous credit limit offered at time of application. Easy online interface. Negatives: Introductory 0% rate on purchases only applies to purchases made it the first 56 days. Balance transfers to to card during the 0% rate appear to be subject to a 2.90% transfer fee which is somewhat disappointing as I thought that there would be no fee (ie. same as purchases) Reviewed on: 31st December 2018
Dan Dan Geg's avatar
Dan Dan Geg

Mr

5
Very handy .no fuss application Reviewed on: 31st December 2018
Sean's avatar
Sean

JUST THE BEST!!

5
customer service is amazing.friendly staff that can deal with whatever you throw at them!! Reviewed on: 30th December 2018
john gay's avatar
john gay

Best of the bunch

5
The balance transfer offers are always competitively priced and I love the Virgin Money lounge which I use everyday. Definitely a plus Reviewed on: 30th December 2018
Sarah1969's avatar
Sarah1969

Great card with lots of benefits.

5
The app for this credit card is so user friendly. I also love the fact that my spending on the cards earn me virgin airmiles which I use to upgrade my flights. I also use virgin partners to boost my airmiles. Reviewed on: 30th December 2018
Margaret's avatar
Margaret

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