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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:

Trying to resolve an issue...

I have been trying to resolve an issue with Virgin Money since the 25th November, and due to misinformation has now landed me in quite an awful situation, subsequently I'm now being penalised for their mistakes, which if the correct information was provided in the first instance the issue would have been resolved. First line customer services are inexperienced, have a lack of knowledge of most things it seems, poor phone etiquette and a general sense that they just don't care. I have spent so much time on hold from my initial calls, through to being COLD transferred on numerous occasions to the incorrect department, requiring me to reiterate the reason for my call. The mistake they caused will apparently take up to 8 weeks through their complaints team to resolve... which then puts me in a very precarious financial situation due to the circumstances I've been placed in, which being a mistake on their part, this should be looked at as a priority! Severely disappointed with the service offered from all accounts, and certainly will not be using their services again once this issue is finally resolved IF it get's resolved, because from my experience so far, I am not confident. I'd would urge anyone to seriously rethink their options before considering Virgin Money, any mistakes they make, you will almost certainly be penalised for! Reviewed on: 13th December 2021

Success story

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

Easy and painless

Easy to use website. Quick decisions and updating Reviewed on: 31st December 2018

Quick and stress free

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

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

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