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Virgin Money: Credit Cards reviews

Name: Credit Cards
Rating: 3.96 (798 reviews)

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3.79

Based on 798 reviews, last reviewed 13th Jun 2025

50% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

64%

11%

19%

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

Disgusted with fees Purchased a product from an overseas seller and while I understand there are international transaction fees I wasn't expecting $130 for a computer to ... Read more Reviewed on: 11th March 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.

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Virgin Money Credit Cards reviews (798)

Online services

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

Easy application process and set-up.

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

Mr

Very handy .no fuss application Reviewed on: 31st December 2018

JUST THE BEST!!

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

Best of the bunch

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

Great card with lots of benefits.

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

Good card

A good card with a nice online website, decent helping of airmiles. Would be nice to see a clearer picture of what would happen if the balance was not paid off in full for a given period Reviewed on: 30th December 2018

Would not recommend

Poor experience, poor customer service. Definitely would not recommend. In the process of clearing my balance and closing my account. Like others, my 0% balance transfer rate was removed and I was not informed (so have ended up with large interest charges) but this was actually as I had apparently paid TOO EARLY(!!) due to making a payment to my account after my last payment was taken, but before the next statement was produced. Virgin Money have been informed of the serious health problems I am suffering from and I have even provided medical evidence of this during the complaints procedure, but they have refused to acknowledge that I have NEVER missed a payment and was simply trying to be a good customer and pay in a timely manner, so will not refund the interest charges. They are fully aware of the negative effects the increased financial stress will have on my health and just do not care. Absolutely disgusted. No morals. Will never use their services again. Reviewed on: 30th December 2018

Straightforward!

Easy to use, easy to access information from App.. Everything simple and straightforward! Reviewed on: 30th December 2018

Good rates, good offers

Used Virgin money for years. Always found them to have consistently the best rates /offers for my needs Reviewed on: 30th December 2018

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