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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.78 (816 reviews)

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3.78

Based on 816 reviews, last reviewed 14th Aug 2026

133% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

64%

11%

20%

Latest highest rating:

5

Quick balance transfer card Needed a quick balance transfer card for short term purchase with lowest fee and 3 year 0% - Virgin had the best deal on offer and the process of borr... Read more Reviewed on: 14th August 2026

Latest lowest rating:

1

Unprofessional behaviour by senior investigators Till two weeks ago they were great, they blocked me from the app so couldn’t view statements, staff rather blame the customer than investigate why thi... Read more Reviewed on: 18th July 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.

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Virgin Money Credit cards reviews (816)

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

Top drawer

Easy to use and website information packed. Allied to my favourite airline, a sure winner. Accepted everywhere with no issues, with payments allocated super quick. Carlsberg, don't do credit cards, BUT Reviewed on: 1st January 2019

Excellent Service

Have used Virgin for years and they continue to impress Reviewed on: 1st January 2019

Solid card

Gave me what I needed after my last company let me down Reviewed on: 31st December 2018

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