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Virgin Money: Credit cards reviews

View other Virgin Money products
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
See only 5 star reviews
63%
See only 4 star reviews
11%
See only 3 star reviews
3%
See only 2 star reviews
3%
See only 1 star reviews
20%

Latest highest rating:

5

Easy to use app. Easy to use app. But shame about delays on updates. Reviewed on: 22nd January 2026
Tom's avatar
Tom

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
Marcin Czerniawski's avatar
Marcin Czerniawski
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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 (802)

Internet hike

3
I was fairly happy with my card until I had a big hike in the interest rate. Basically I could absorb this new rate or freeze my card at the existing rate. I chose the latter. No account given of being a loyal customer and paying on time. Disappointing. Reviewed on: 29th January 2018
Rod's avatar
Rod

Stone age banking...

2
Where is the Virgin credit card app? Why is there such a poor log in experience on a browser, on my phone! Everyone else is using fingerprint... Even this form has cta's (calls to action) that are too small for my finger! Time to start optimising your customer experience! Reviewed on: 28th January 2018
Theo's avatar
Theo
Reply from Virgin Money Good to hear from you Theo, our focus is on mobile optimisation right now but we'll let our customers know as soon as there's any app news. Thanks, Jane Response date: 31st January 2018
Virgin Money Logo
Virgin Money

The best credit card out rhere!

5
Virgin have great offers on. Great customer service. Never had an problems and would definitely recommend. Reviewed on: 27th January 2018
Hellen76's avatar
Hellen76

Good rates

4
Good rates. Helpful card and staff, but like a mobile app for ease of access. Reviewed on: 26th January 2018
Darryl Lloyd's avatar
Darryl Lloyd

Good rates

4
Good rates. Helpful c/card, but a mobile app would be nice. Reviewed on: 26th January 2018
Darryl Lloyd's avatar
Darryl Lloyd

All-round excellent experience

5
Great interest rates and balance transfers free for first 6 months. Excellent customer communication and service, which has me telling friends and family about Virgin Money! Reviewed on: 26th January 2018
Billy White's avatar
Billy White

Excellent service and rates

5
Top interest rates and customer communication. No complaints at all with any of the services I’ve had to use. Reviewed on: 26th January 2018
Billy White's avatar
Billy White

Very quick and good service

5
With no much problems I was able to get quickly my credit card and start building up my credit score. No interests are taken if you pay in time! I highly recommend their service :) Reviewed on: 25th January 2018
Maria Padilla's avatar
Maria Padilla

Total CROOKS!

1
This company - which has probably milked its customers for millions, charged me £9 for a payment that was 2 days late on the credit card. OK that is probably my fault, I misunderstood my statement so was late. It was a one off, and has never happened before, so they could have waved it. But not only that but it meant my "special deal" of 30 months interest free, was cancelled on my statement, and I had to pay off my balance or pay interest on it - which is absolutely ridiculous!! Because I didn't pay on time once, and was TWO days late, that is 48 hours. WHAT AWFUL POLICIES designed to make you pay A LOAD of interest. Anyway the customer service guy was helpful at least but I am paying off this card and going elsewhere. NO AWARDS please. AWFUL SERVICE. Reviewed on: 25th January 2018
Maria Solechnik's avatar
Maria Solechnik

Great credit card

5
Quick and easy balance transfer. The customer extras (Virgin Money Lounge) sets them apart! Would recommend Virgin Money. Reviewed on: 25th January 2018
A King's avatar
A King

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