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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.

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Virgin Money Credit cards reviews (802)

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

Simply the best. Wouldnt go any where else.

Excellent all round service easy to understand and on line app is excellent. Clear and precise information easy to understand . Would recommended Virgin Money always. Reviewed on: 21st December 2018

Simply the best. Wouldnt go any where else.

Excellent customer service. Easy application service when applying for cards. On line app easy to use. Information is clear and precise and easy to understand. Would recommend Virgin Money to everyone. Keep up the good work Virgin Money Reviewed on: 21st December 2018

No Loyalty

Had my credit reduced without notice even thou I never been over my limit or been late and no where near my limit then you decide to cut my limit which I found out by using my app made a call then two days later get a letter and not much explanation. I normally use to book my annual holiday to the USA via virgin but by reducing my limit by more then half makes me near my limit which now doesn’t look good for me. Reviewed on: 20th December 2018

BEWARE THE SMALL PRINT. THEY DID NOT FORGIVE A SIMPLE ADMIN ERROR!!

There was an error in amending my direct debit details and subsequently a payment was missed. Every payment prior to and after that was on time and over the minimum amount. Sudden £70+ interest per month added to my monthly repayment because I had 'broken the terms of the agreement' No information given to me in the form of email or letter until I called their customer service department who said there was absolutely nothing they can do. I have requested a balance transfer to another card and will never use their credit card facility again. Shocking customer service. Reviewed on: 19th December 2018

Good but you need an iPhone app !

good card but you need an app everyone has an app now why don’t you Reviewed on: 19th December 2018

Perfect 0% credit card

All 100% perfect with regards to interest, period, paying back options. Reviewed on: 18th December 2018

Perfect credit card for me

Perfect limit. Easy to pay back. Love the 29 months. Love 0% interest on purchase. Reviewed on: 18th December 2018

great service and brilliant staff to help

appreciate all the help and advice given to me during my difficult times Reviewed on: 18th December 2018

Number 1 credit card in UK

Very good flexible offers . Very helpful staff on phone banking . Reviewed on: 18th December 2018

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View resource hub

Virgin Money: Credit cards reviews

200% increase in 5 star reviews

100% increase in 1 star reviews

Latest highest rating:

5

Latest lowest rating:

1

About this product

Review Virgin Money: Credit cards now

Virgin Money Credit cards reviews (802)

Why no smartphone app?

Simply the best. Wouldnt go any where else.

Simply the best. Wouldnt go any where else.

No Loyalty

BEWARE THE SMALL PRINT. THEY DID NOT FORGIVE A SIMPLE ADMIN ERROR!!

Good but you need an iPhone app !

Perfect 0% credit card

Perfect credit card for me

great service and brilliant staff to help

Number 1 credit card in UK

Do you have a different Virgin Money product?

Want to see more from Virgin Money?

Help to Buy: ISA

Fixed Rate Savings

Savings

Join Smart Money People

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