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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)

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

Brilliant

Fabulous credit card provider. Generous term for 0% purchase cards and favorable rates for balance transfer. Reviewed on: 29th January 2018

Internet hike

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

Stone age banking...

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

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

The best credit card out rhere!

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

Good rates

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

Good rates

Good rates. Helpful c/card, but a mobile app would be nice. Reviewed on: 26th January 2018

All-round excellent experience

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

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Virgin Money: Credit cards reviews

50% increase in 5 star reviews

200% increase in 1 star reviews

Latest highest rating:

5

Latest lowest rating:

1

About this product

Review Virgin Money: Credit cards now

Virgin Money Credit cards reviews (806)

Terrible service

100 % Customer Service

Fake 'customer service' pretending to care

Brilliant

Internet hike

Stone age banking...

The best credit card out rhere!

Good rates

Good rates

All-round excellent experience

Do you have a different Virgin Money product?

Want to see more from Virgin Money?

Help to Buy: ISA

Fixed Rate Savings

M Plus account

Join Smart Money People

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