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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.82 (808 reviews)

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3.82

Based on 808 reviews, last reviewed 7th Jun 2026

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

63%

11%

20%

Latest highest rating:

4

Simple and easy An accessible app design that helps to ensure payments are easy to make through your bank account. Customer service is also brilliant for questions as... Read more Reviewed on: 7th June 2026

Latest lowest rating:

1

Ignore formal complaints and SAR I raised a formal complaint and despite replying several times and requesting a SAR they have ignored me. Astonishing isn't it. What is crazy is that ... Read more Reviewed on: 16th April 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 (808)

Just fine

Not outstanding, but definitely not rubbish. Reviewed on: 9th December 2018

Amazing Virgin credit cards

Really great service, online account which is always there and useful emails about all their products and savings advice, plus plenty of prize draws to enter. Reviewed on: 9th December 2018

Credit card

I like the credit card. It lets me do what I need to Reviewed on: 7th December 2018

Banking as it should be

We have used virgin money regularly as credit cards go they are fantastic, any problems quickly sorted. Need advice pop into one of their lounges. No horror stories just plain friendly helpful advice. Reviewed on: 7th December 2018

Fantastic Interest Rates

Really like the way Virgin Money offer 0% rates Reviewed on: 7th December 2018

Very fair and honest product

Always clear and uncluttered emails and easy to use website. Applicable advice given and shown to be on the side of the customer. A product to have confidence in. Reviewed on: 7th December 2018

First Credit card owned

Smooth, easy, and quick application process with instant result of approval. Superb! Reviewed on: 7th December 2018

Simply the worst service I've ever received

I don't know where to start describing how awful Virgin Money is. I had a Virgin Atlantic affinity credit card, which was through MBNA. The service was pretty good. Then they forced me to switch to Virgin Money. That's when the nightmares started. It's hard to imagine how the service could be any worse. Everything about the online service, verification process, telephone service and general attitude is worse than any comparable offering I've ever come across. Avoid at all costs. Reviewed on: 6th December 2018

Disappointing

Took out a virgin credit card on 0% finance deal for balance transfers. Email from Virgin went into my junk email & they did not send anything in post so I was a day late setting up direct debit for first payment. Therefore the promotion was 'invalid' & they charged a very high interest rate. Customer services team difficult to get through to & very unhelpful . . . Reviewed on: 4th December 2018

Reply from Virgin Money I'd be more than happy to look into this for you Vittoria. I'd just need to take a few details from you, can you email your postal address and contact number to [email protected]? Thanks, Holly Response date: 5th December 2018

Good cashback perk

Cashback perk can be very advantageous if used smartly. Email newsletter is good with offers and competitions. Managing through phone isn’t the easiest as some competitors - no app with iphone finger scan. Reviewed on: 19th November 2018

Reply from Virgin Money Hello James, thanks for sharing your feedback. We'll update our customer in regards to an app as soon as we have any news. Thanks, Lindsay. Response date: 22nd November 2018

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