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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.84 (802 reviews)

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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

63%

11%

20%

Latest highest rating:

5

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

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

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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.

Virgin Money Credit cards reviews (802)

Review of the Virgin Money, Credit cards:

Please don’t use This card

My card got hacked so I cancelled the card. Asked for a new card to be sent out . Card was sent to the wrong address, when I contacted them to ask where my card was they wouldn’t tell me the address it was sent to. They just said it wasn’t sent to the address I asked. I Tried the same process again giving them my address 3 times making sure they had the correct address. Again the same thing happened, I’ve never had an issue receiving mail at this Address, it’s now been one month no card. Tried several times to resolve the problem and the consultants were of no help whatsoever. This card has a few good things going for it in the rewards program but thats about it. This is the first review I’ve ever wrote custom service is the worst, once your card is locked from being hack you cannot access to see any transactions. I wanted to cancel my card and pay out the balance but couldn’t access my profile to double check the transactions. End of the day worst experience cannot recommend this card whatsoever Reviewed on: 10th February 2025

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

Excellent service and rates

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

Very quick and good service

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

Total CROOKS!

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

Great credit card

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

Credit Card

Fantastic card, thank away to use website to statements etc. Good choice of card designs. Love the virgin App that you get access to. Happy all round. Reviewed on: 25th January 2018

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Virgin Money: Credit cards reviews

200% increase in 5 star reviews

100% increase in 1 star reviews

Latest highest rating:

5

Latest lowest rating:

1

About this product

Virgin Money Credit cards reviews (802)

Please don’t use This card

Stone age banking...

The best credit card out rhere!

Good rates

Good rates

All-round excellent experience

Excellent service and rates

Very quick and good service

Total CROOKS!

Great credit card

Credit Card

Do you have a different Virgin Money product?

Want to see more from Virgin Money?

Help to Buy: ISA

Fixed Rate Savings

Savings

Join Smart Money People

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