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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:

Please don’t use This card

My card got hacked so I cancelled the card. Asked for a new card to be sent out . Card was sent to the wrong address, when I contacted them to ask where my card was they wouldn’t tell me the address it was sent to. They just said it wasn’t sent to the address I asked. I Tried the same process again giving them my address 3 times making sure they had the correct address. Again the same thing happened, I’ve never had an issue receiving mail at this Address, it’s now been one month no card. Tried several times to resolve the problem and the consultants were of no help whatsoever. This card has a few good things going for it in the rewards program but thats about it. This is the first review I’ve ever wrote custom service is the worst, once your card is locked from being hack you cannot access to see any transactions. I wanted to cancel my card and pay out the balance but couldn’t access my profile to double check the transactions. End of the day worst experience cannot recommend this card whatsoever Reviewed on: 10th February 2025

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

Interest Free Credit Card

Great customer experience, great interest free period! Reviewed on: 11th April 2018

Reply from Virgin Money Hi there, thanks for your feedback! Great 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: 11th April 2018

Great customer Service

Happy to help with anything I needed Reviewed on: 5th April 2018

Reply from Virgin Money Hi Anna, thanks for the feedback. You know where we are if you need hand with anything in the future, just give us a shout! Thanks, Lindsay Response date: 7th April 2018

Poor service

Virgin money don’t wven reply when they have asked for your details absolutely discussing do not use them Reviewed on: 30th March 2018

Reply from Virgin Money Hi Gary, if you’d like me to step in please email your name, address and contact number over to [email protected] and I’ll get the ball rolling. Thanks, Lindsay Response date: 31st March 2018

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