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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

Shocked by letter!

I cannot recommend Virgin as I have been treated badly. Received a letter asking for £1440.31 immediately, and card was blocked???? No such monies were owing so assumed it to be fraud, but on phoning am told it was an error by Virgin. No apology or explanation. Reviewed on: 29th December 2018

Easy to use Internet

Internet use,and a branch in the Town Reviewed on: 29th December 2018

Excellent Card

Excellent card with great zero percent introductory offer on both purchases and balance transfers. Online and mobile banking site is very easy to use making it simple to keep track of your spending. Absolutely love it. Reviewed on: 29th December 2018

Excellent credit card with great rewards!

Really pleased with my Virgin credit card. Improvements I would like to see are: Improved stability and efficiency of the Virgin Atlantic website. Introduction of a Virgin Atlantic App for online banking. Reviewed on: 29th December 2018

Almost excellent !!!

We still need Apple Pay and Apple Watch compatibility please !! Reviewed on: 28th December 2018

Impossible to contact

Impossible to contact, impossible to reason with, never give a straight answer. One of the worst companies I’ve ever dealt with. Reviewed on: 28th December 2018

Great Communication and Customer Service

I have been a Virgin customer for years now. I am so impressed by the diversity of products, always available, moving with the future and tailored products to suit different needs. Call waiting time is one of the lowest and customer service are professional with a warm, friendly and most importantly they know the product range. Reviewed on: 24th December 2018

Helpful and informative

Helpful and informative on products. Reviewed on: 22nd December 2018

Great service

Great hassle free service and good offers. Reviewed on: 22nd December 2018

Why no smartphone app?

Great card and rate but no smartphone app. Your competitors all have apps! Come on its nearly 2019!! Reviewed on: 21st December 2018

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