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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

Trendsetter

Virgin Money was the first bank that offered me a credit card that did not charge me any charges when using my card in Europa, saving me money - meaning I have MORE to spend! Reviewed on: 14th December 2018

Excellent and easy way to open account

Easy account to open, only issue is no app Reviewed on: 14th December 2018

Great and easy to use.

Great banking, easy to use and always there. Reviewed on: 14th December 2018

Does what it says on the tin

Does what it says it will do. Simple and effective. Reviewed on: 14th December 2018

A fair card

A good product supported by an east to use website. Reviewed on: 14th December 2018

Superb service

I have Virgin credit card and they give very good rate and easy pay. Money comes to your account within few hours of your successful application. This company also give tax free credit for a credit card for a duration where you don't pay no APR at all. Very highly recommended:) Reviewed on: 14th December 2018

Secure and a pleasure to use online platform .

I make online payments to my account online and have never had any issue. Confirmation emails of transactions are sent to me promptly. Reviewed on: 14th December 2018

A great, hass-free credit card.

The Virginia Credit Card has a fantastic long period for 0% interest on balance transfers and has added incentives like amazing competitions and offers on things like holidays, wines and experiences. Reviewed on: 14th December 2018

customer care unprecedented in professionalism.

I had never had a credit card before and when I applied and spoke to the virgin money team they had so much time to explain how too use the card its limits and setting up a direct debit..I felt for once a proper customer being indulged because of my lack of knowledge with credit cards.Thankyou virgin money for a pleasant and rewarding experience.If I am lucky too win I would like to donate the money to our local community centre in Sutton in ashfield notts.Thanks again.Your team as obviously been trained extremely well. Reviewed on: 14th December 2018

Unbeatable service

excellent customer service, staff well spoken and exceptional balance transfer deals Reviewed on: 14th December 2018

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