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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.85 (806 reviews)

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3.85

Based on 806 reviews, last reviewed 18th Apr 2026

50% 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

Excellent balance transfer rates Excellent balance transfer rates, got me out of a tough time without incurring additional interest Reviewed on: 18th 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

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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 (806)

Easy Easy Easy

Brilliant online application process. Not bombarded with lots of questions and pages and pages of form filling! Quick decision. Interesting options of card designs. Product works for me and what I want/need as a customer - makes a refreshing change! Reviewed on: 7th February 2018

Reply from Virgin Money Great to hear from you Ross, glad you're happy with your new Credit Card! If you have any questions, just get in touch. Thanks, Jane Response date: 8th February 2018

Terrible company BEWARE!

Daylight robbery is how I would describe this company. Beware, they will charge you and rip you off at every opportunity. Customer service is beyond bad. Reviewed on: 7th February 2018

Reply from Virgin Money Hi Shaun, if you'd like me to look into this for you just email your postal address and best contact number to [email protected]. Thanks, Jane Response date: 7th February 2018

Simple, fast and professional

Applying was straightforward, effortless and comprehensive. Would recommend to anyone wanting a credit card that outlines all the costs beforehand and the assurance that comes with Virgin money Reviewed on: 6th February 2018

Reply from Virgin Money Thanks for getting in touch Dan, great to hear you're happy with your Credit Card. If there's anything we can help with just let us know. Thanks. Jane Response date: 7th February 2018

Easy balance transfer

I took out a virgin credit card to transfer a balance from another credit card. I made a pact with myself that 2018 would be the year that I would be debt free. Well I can proudly say that after transferring to virgins interest free credit card and using there very easy internet banking feature to make consistent payments I am now debt free for the first time in a long time and it feels amazing all thanks to Virgin. Reviewed on: 5th February 2018

Reply from Virgin Money Thanks for your lovely comments, it's great to hear from you! You know where to find us if there's anything else we can do to help. Thanks, Jane Response date: 6th February 2018

no common sense or flexibility

Had my card for around 21 months on a promotional balance transfer offer. One late payment where the direct debit was not paid. I was in the red for a couple of hours before transferring money from another account and they removed my promotional offer and refuse to reconsider. looks like they are just waiting for things like this so that they can bang on large amounts of interest. Disgraceful. Reviewed on: 5th February 2018

Reply from Virgin Money Hi there, thanks for getting in touch. If you'd like me to look into this further for you, just email your details to [email protected] and I'll take it from there. Thanks, Jane Response date: 6th February 2018

A very user friendly credit card

Virgin credit cards are the absolute best!! very easy to manage your money and transactions. Reviewed on: 3rd February 2018

Reply from Virgin Money Lovely to hear some great feedback about your Credit Card Jane- you know where to find us if you have any questions. Thanks, Abbie Response date: 4th February 2018

Best credit card

Always know where I am with my card just wish there was an app that I could just bring up on my iPhone would be easier but still best card by far Reviewed on: 3rd February 2018

Reply from Virgin Money Thanks for the great feedback Denise. We're focused on mobile optimisation at the moment but if there's news of an app in the future we'll be sure to let our customers know! Thanks, Abbie Response date: 4th February 2018

Virgin is rubbish. UPDATE

Worst customer service ever. I'm so done with this company. So I emailed them on the address posted in their reply, three days ago. Still NOTHING. So just to confirm my original review, WORST CUSTOMER SERVICE EVER. AVOID LIKE THE PLAGUE. Reviewed on: 1st February 2018

Reply from Virgin Money Hi there, thanks for getting in touch. If there's something you'd like us to take a look at for you, just email your details to [email protected]. Thanks, Jane Response date: 1st February 2018

Excellent service from virgin money

I would recommend Virgin money to all my family&friends because : Virgin Money are : Clear simple& outstanding in service.100%customer feedback I give to Virgin Money Reviewed on: 31st January 2018

Reply from Virgin Money Thanks for your lovely comments Summer, glad to hear we were able to help! You know where to find us if there's anything we can take a look at for you. Thanks, Jane Response date: 1st February 2018

Bad customer service

Take decisions for no apparent reason without informing their customers. Avoid Reviewed on: 31st January 2018

Reply from Virgin Money Thanks for getting in touch. If there's anything you'd like me to take a look at, can you email your details to [email protected]? Thanks, Jane Response date: 31st January 2018

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