Write a review

Newsletter

Go to business site

Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.78 (816 reviews)

View other Virgin Money products

3.78

Based on 816 reviews, last reviewed 14th Aug 2026

133% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

64%

11%

20%

Latest highest rating:

5

Quick balance transfer card Needed a quick balance transfer card for short term purchase with lowest fee and 3 year 0% - Virgin had the best deal on offer and the process of borr... Read more Reviewed on: 14th August 2026

Latest lowest rating:

1

Unprofessional behaviour by senior investigators Till two weeks ago they were great, they blocked me from the app so couldn’t view statements, staff rather blame the customer than investigate why thi... Read more Reviewed on: 18th July 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 (816)

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

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

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 Yonder 4.84 from 953 reviews
Credit card (discontinued)
from Tymit 4.68 from 155 reviews
Initial credit card (discontinued)
from Barclaycard 3.60 from 122 reviews

Want to see more from Virgin Money?

Fixed Rate Savings
from Virgin Money 4.48 from 61 reviews
Help to Buy: ISA
from Virgin Money 4.45 from 23 reviews
M Plus account
from Virgin Money 4.32 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