Write a review

Go to business site

Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.83 (804 reviews)

View other Virgin Money products

3.84

Based on 804 reviews, last reviewed 16th Apr 2026

300% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

63%

11%

20%

Latest highest rating:

5

The thing that sets Virgin Money apart is the experi... The thing that sets Virgin Money apart is the experience from the minute you apply until you register the app. It’s smart, modern, and crystal clear. ... Read more Reviewed on: 13th April 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

Read all reviews Write a review

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.

Review Virgin Money: Credit cards now

Help others make smarter decisions by sharing your own experience.

Write a review

Virgin Money Credit cards reviews (804)

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

Easy to use

The online accessibility of the virgin money credit card is a big plus. The account is easy to manage, the credit decision was very fast and the interest free period competitive Reviewed on: 29th June 2018

Reply from Virgin Money Hi there, thanks for getting in touch. Glad to hear you're happy with your Credit Card, just get in touch if there's anything we can help with. Thanks, Jane Response date: 7th July 2018

Great 0% offer

Very easy to apply, set up, transfer and set up repayments. Would definitely recommend. Reviewed on: 10th June 2018

Reply from Virgin Money Hello Kevin, thanks for getting in touch to give us all your feedback. We appreciate it. Thanks, Lindsay. Response date: 16th June 2018

Virgin Money Pre-Paid Mastercard

I found the pre-paid card was a great way to help the offspring when they were travelling abroad. The scheme allowed for a second named card to be added on the same account. Website management page gave useful information on where the money was going. I thought it was a good way to manage travel money for them without much risk. Overall no more expensive than Western Union etc. Reviewed on: 7th June 2018

Reply from Virgin Money Thanks for your feedback. Lindsay Response date: 16th June 2018

Awful customer service

Awful customer service Lure you in with a 0% balance transfer then con you in to start paying interest I have already sent my details to your email address and it just gets ignored Reviewed on: 26th April 2018

Reply from Virgin Money Thanks for getting in touch Dale, if you'd like me to take a look into this for you just email your details to [email protected]. Thanks, Jane Response date: 2nd May 2018

Do you have a different Virgin Money product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Credit card
from first direct 4.13 from 26 reviews
Select Credit Card
from Nationwide 3.93 from 12 reviews
Credit Card
from Ocean Finance 4.76 from 19 reviews

Want to see more from Virgin Money?

Help to Buy: ISA
from Virgin Money 4.52 from 23 reviews
Fixed Rate Savings
from Virgin Money 4.43 from 61 reviews
M Plus account
from Virgin Money 4.22 from 33 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub