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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:

Trying to resolve an issue...

I have been trying to resolve an issue with Virgin Money since the 25th November, and due to misinformation has now landed me in quite an awful situation, subsequently I'm now being penalised for their mistakes, which if the correct information was provided in the first instance the issue would have been resolved. First line customer services are inexperienced, have a lack of knowledge of most things it seems, poor phone etiquette and a general sense that they just don't care. I have spent so much time on hold from my initial calls, through to being COLD transferred on numerous occasions to the incorrect department, requiring me to reiterate the reason for my call. The mistake they caused will apparently take up to 8 weeks through their complaints team to resolve... which then puts me in a very precarious financial situation due to the circumstances I've been placed in, which being a mistake on their part, this should be looked at as a priority! Severely disappointed with the service offered from all accounts, and certainly will not be using their services again once this issue is finally resolved IF it get's resolved, because from my experience so far, I am not confident. I'd would urge anyone to seriously rethink their options before considering Virgin Money, any mistakes they make, you will almost certainly be penalised for! Reviewed on: 13th December 2021

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

Slow/Dated

Transactions take a while to reflect on your balance. 'Pending transactions' such as pre-authorisations sit on your account for a while. No banking app which is really unhelpful-if i had known this before i selected virgin i probably wouldn't have taken the card. However with all this said there is a good opportunity with cash back. Reviewed on: 24th January 2018

great service

love the card, customer care always friendly, easy to use website Reviewed on: 24th January 2018

Virgin money

Super easy set up - no fuss . Did it all in an hour. Reviewed on: 24th January 2018

Helpful and responsible

Always helpful. I enjoy the tips and advice for sensible spending and saving. Excellent communication to ensure spending stays within limits. Virgin is a friendly, funny, responsible, modern company, the way all financial companies should work. Reviewed on: 23rd January 2018

Great offers and deals

Had credit card for years never had a problem and great iffers Reviewed on: 23rd January 2018

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