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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)

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

Terrible service

Twice they have blocked my card simply for PAYING THE BALANCE! Both times they said it looked like suspect fraudulent activity! Yes because clearing your balance is fraud. Twice u had the embarrassment of having the card declined at a shop with a queue behind me. And then the worst bit it takes ages to get hold of a real person when calling customer service. I will never use this card again and could never recommend it. I was asked for an update here it is: Emailed the email in the reply. No response! AVOID this company like the plague. There are much better options out there. It's all fine and well until something goes wrong and then you're hung out to dry. Reviewed on: 31st January 2018

Reply from Virgin Money Hi there, let's take a look at this for you. If you email your postal address and best contact number to [email protected], I'll take it from there. Thanks, Jane Response date: 31st January 2018

100 % Customer Service

Great customer service. Anytime I have spoken with Virgin Money I have been completely satisfied. Great offers and promotions. I would highly recommend Virgin Money. Reviewed on: 30th January 2018

Reply from Virgin Money Thanks for your feedback Mark, you can find more information about our current offers and prizes here; https://uk.virginmoney.com/virgin/service/offers-and-prizes/. Just let us know if there's anything else we can help with. Thanks, Jane Response date: 31st January 2018

Fake 'customer service' pretending to care

Further to my earlier review, Virgin offered to help on this website and to look into further. Please don't be fooled, they didn't care and just wanted to appear that they were doing something. Either the service team are useless or have no power, neither of which justifies their salaries. If they offer to look into your complaint further, don't get your hopes up or waste your time. Virgin = thieves. Reviewed on: 29th January 2018

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