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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.82 (813 reviews)

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3.82

Based on 813 reviews, last reviewed 15th Jun 2026

300% 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

Good rates on foreign credit card purchases Good rates on foreign credit card purchases plus points of value. Whats app easy to manage and use. Reviewed on: 15th June 2026

Latest lowest rating:

1

Fraudulently charged fees to correct their mistake Virgin money took a direct debit from my account despite the balance being £0 and the direct debit being cancelled. When I went on their app I request... Read more Reviewed on: 13th June 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 (813)

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

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

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