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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)

Terrible service

Really not helpful, I wouldn’t say any part of the process of account set up or maintaining has been a good one. The likes of other banks go out of their way to help and understand you. Virgin is very one track minded and this isn’t helpful. A new account, didn’t know payment date as not received a statement then interest charged now. Other banks would only charge a late payment fee. But virgin don’t. Terrible really. I would never recommend to anyone. Reviewed on: 17th November 2018

Reply from Virgin Money Good Afternoon, thanks for getting in touch. If you'd like me to investigate further, please email your details across to [email protected] and I'd be happy to. Thanks, Lindsay Response date: 22nd November 2018

Great rates, great credit card

I have had a virgin credit card for a number of years at a fixed low rate. I have always found it fantastic and have found the staff excellent when I have had to contact them. Reviewed on: 14th November 2018

Reply from Virgin Money Great to hear from you Gillian, thanks for the feedback. Just let us know if there's anything else we can do to help. Thanks, Lindsay Response date: 17th November 2018

Top company

Love the personalizing of cards went for sex pistols and customer service is great Reviewed on: 9th November 2018

Excellent company

Efficient service and excellent communication and offers. Website is easy to navigate too. Reviewed on: 8th November 2018

Total disgrace

6+ phone calls to customer service (That's a joke) waiting over 30 mins & still no body answers.... total embarrassment to the virgin brand.... wouldn't touch them with a barge poll in the future....... Reviewed on: 9th September 2018

Reply from Virgin Money Thanks for getting in touch Robbie, hope you managed to get sorted with this. If there's something we can look into further for you, just email your details to [email protected]. Thanks, Jane Response date: 1st October 2018

Terrible service, no app, online payment is so difficult to access.

They have no app, which is ridiculous and basically unheard of. Because of this and the draconian security needed to sign onto their web portal, and admittedly moving house, being in the middle of renovations and living out of boxes, I was a day late with a payment and they removed my interest free offer. I called as soon as I realised, waiting for nearly half an hour to speak to someone. The customer service then made me wait a week for a call back, offering a conversation, but in the end just said they couldn't help again. They also called in the middle of my weekend. Knowing I'd be lucky to get another call back I regretfully took the call. The woman said she had no authority to do anything. Not sure why I waited for the call. Steer clear of this terrible service! Not worth it. Reviewed on: 15th August 2018

Reply from Virgin Money Hi there, I can see I've went back to your review with us over on Trust Pilot. Hope that helps. Thanks, Abbie Response date: 18th August 2018

Awful product and yet worse customer service

I signed up for the new virgin Atlantic air miles card which replaces my previous mbna virgin Atlantic card. The approvals process took 4 weeks, the card should have taken 7-10 days from approval to arrive. It arrived on day 12 at which point I had already ordered a replacement card, delaying things by a further week. When the cards finally turned up they were blank, ie no 16 digit number, no name and no start or expiry dates. A replacement was ordered and took another week to arrive. Virgin money gave me incorrect international payment details on 3 occasions causing 4 missing payments and a hugely embossing conversation with my customers causing a loss of business. Due to a low spending limit of 5k it takes 4 transactions to make an 18k payment and it takes 5 working days to clear the balance and reset available spending allowance. Two emails of complaint have gone unanswered and it’s three weeks since they were made. An automated email was received to prove that the emails did find their way into the correct mailbox. Over the phone staff contradict each other, are not trained adequately and do not deliver on promises to call back. It feels like the company were established yesterday and are still going through training, Unfortunately if I want to keep collecting air miles with virgin Atlantic I have no option than to tolerate this ameateurish service. Avoid like the plague if possible !! Reviewed on: 14th August 2018

Reply from Virgin Money Hi there, I can see I've went back to your review with us over on Trust Pilot. Hope that helps. Thanks, Abbie Response date: 18th August 2018

Credit card interest free period removed

I was a day late paying a minimum payment on my credit card due to error. I have had my credit card a while now never been late or missed any payments prior to this I contacted virgin money to make them aware of the error and despite this and explaining my situation they have refused to put my interest free period back on surely they should give loyal customers 1 chance for human error Reviewed on: 8th August 2018

Reply from Virgin Money Hi Shona, thanks for feeding this back. If you'd like me to look into this one at my end please send your address and contact number to [email protected]. Thanks, Abbie Response date: 9th August 2018

Outstanding Service and value

Allround happy from customer service to to speed of transactions and transfers.I would recommend them most highly to friends and family. Reviewed on: 31st July 2018

Reply from Virgin Money Thanks for your feedback Simon, great to hear you're happy with your Credit Card! Just get back in touch if there's anything else we can help with. Thanks, Jane Response date: 3rd August 2018

Stay away

Worst credit card ever had. Charged me £90 for purchase. Stay away if you can, they will just still your money. AVOID Reviewed on: 15th July 2018

Reply from Virgin Money Thanks for getting in touch, if there's something you'd like us to take a look into just email your details to [email protected]. Thanks, Jane Response date: 16th July 2018

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