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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

Easy to manage

Easy to set up and to manage thereafter. Reviewed on: 15th December 2018

Good security, very customer focussed

Good rate offers on credit cards, good telephone customer service. Very secure, compared to my other card suppliers Reviewed on: 15th December 2018

Hassle free transactions

I find virgin money credit card a good product which has a good website and easy transactions Reviewed on: 15th December 2018

great account

really great company and great account Reviewed on: 15th December 2018

Great advise

It’s very refreshing to get such sound advise regarding careful spending. Reviewed on: 15th December 2018

Quick easy and brilliant rates and service!

I initially applied for my virgin credit card to transfer a balance from another card. I now use my virgin card in all sorts of ways, whether it's to purchase items and gifts and receive cashback or using the card abroad with the low Apr rate. This card is brilliant to use for all kind of things, reap rewards, and easily pay off any debt. I love the virgin experience days! They're a great way to treat friend and family or even a sneaky treat for yourself! What time I've contacted the service desk the staff are amazing are can't do enough to help. I wouldn't recommend any other company! Thanks guys :) Reviewed on: 15th December 2018

Great value credit card with promotional offers and easy to manage online

This credit card had one of the most competitive 0% balance transfer and 0% purchases promotional offers. The card can be easily managed online through the secure Virgin Money login. Reviewed on: 15th December 2018

excellent

excellent service and would definitely recomend Reviewed on: 15th December 2018

A Superior Service

It was so refreshing applying for a credit card and money transfer with Virgin as the service is actually better than you would expect all the way through. Full explanations, clear instructions (how unusual) efficient and easy to use. Lovely and definitely superior to the other major providers Reviewed on: 15th December 2018

Excellent Virgin Credit Card Deals

With a few unexpected financial outgoings over the last year, my Virgin Money credit card was a lifesaver! I opened an account and took up the 0% over 18 months offer (subject to a small fee) and literally solved all of my financial headaches in one swoop. Thank you Virgin Money! Reviewed on: 14th December 2018

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