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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)

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

Virgin review

Efficient, easy to deal with, great website, regular email updates Reviewed on: 23rd January 2018

Refused to refund overpayment

Dreadful and unwilling to help. Spent 35 minutes on the phone and had to raise a complaint Reviewed on: 23rd January 2018

payments

after you prompted me by phone I went on immediately and made a minimum payment which has not apparently registered and set up a direct debit at the same time and now you have hit me with interest charges. Reviewed on: 23rd January 2018

Simply the best

Number one bank easy to deal with wouldnt go any were else Reviewed on: 23rd January 2018

Fantastic Customer Experience

Without Virgin Money my tiny baby would not be here. With Virgin Money’s generous credit limit, I was able to pay for several IVF treatments to get my baby boy. He is now 17 months old and a joy to behold and I am finally paying off my balance with never a bit of hassle from Virgin Money. They just took care of the bills and let me get on with making my baby! Thank you Virgin Money. Thank you Richard Branson. Reviewed on: 23rd January 2018

Reply from Virgin Money It's great to hear from you, thanks for your lovely comments! You know where to find us if there's anything else we can help with. Thanks, Jane Response date: 23rd January 2018

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