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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)

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

Mr William

I find using my Virgin card and inline service easy and efficient. Reviewed on: 25th January 2018

Highly recommend

Great customer service. I would like to see a Virgin Money App though. Reviewed on: 24th January 2018

Miles Ahead - Simply First Class

Virgin Money offered an outstanding transfer balance on my new credit card. Coupled with the card of my choice and air miles to boot. Quite simply a first class srvice. Reviewed on: 24th January 2018

Easy and secure for beginners

I chose to open a virgin credit account for the purpose of a balance transfer. I was very naive and unsure of how it all worked and Virgin were excellent. Very friendly staff, helpful and understanding. Also their security is the best I’ve ever experienced. Reviewed on: 24th January 2018

Excellent service

Good customer service friendly staff Fast service Reviewed on: 24th January 2018

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