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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.

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Virgin Money Credit cards reviews (802)

Terrible customer service

Very rude and unsympathetic, avoid Virgin Money if you can, worst out of my three cards - American Express and Barclaycard! Reviewed on: 20th January 2018

Reply from Virgin Money Hi there, if there's anything you'd like me to take a look at just email your details, including postal address and best contact number, to [email protected]. Thanks, Jane Response date: 23rd January 2018

Great credit card company

This is a great credit card company. Easy to apply for a credit card / credit transfer on line; clear communication; great online web site. Only little niggle is it would be good to have a quick reminder of when first payment is due, not after the date has passed and a prompt to set up a direct debit would be good too. That said, it’s the Best credit card company I have ever used! Reviewed on: 20th January 2018

Unhelpful - tried to push into debt problems.

Missed payment, took away promotional rate days after charging the admin fee. Didn’t tell me the rate had gone up and wasn’t willing to help resolve. Will never deal with any Virgin brand again. Reviewed on: 20th January 2018

Reply from Virgin Money Hi there, thanks for getting in touch. If you'd like us to take a look into this for you, just email your details to [email protected]. Thanks, Jane Response date: 23rd January 2018

Outstanding service, not a hitch

I was kept informed throughout the process and it was all finished within several days. Reviewed on: 19th January 2018

Great simple service

Opened a 0% balance transfer credit card, really simple easy to do. Customer service brilliant and helpful no waiting time on the phone. Reviewed on: 19th January 2018

Best rates and long term deals

Virgin offered the best deals and over a long period. Also very helpful. Reviewed on: 19th January 2018

Simple, convenient and quick!

Didn't know anything about Virgin until I looked at what credit cards were available offering 0% balance transfers, but most importantly, zero fees! Disappointed that my existing card holders, which I've been with for years, couldn't match Virgin's offer. Reviewed on: 19th January 2018

Slow money transfers

Frustrating to get money moved over or show on your account Reviewed on: 18th January 2018

Excellent banking services

Privileged to be associated to virgin family Reviewed on: 17th January 2018

Average. Good range of cards.

It’s positive that Virgin Money offers credit cards for all purposes including money transfer, balance transfer, purchases and traveling. A Virgin Money cashback Credit Card would be a good product to introduce. It is misleading that Virgin Money sometimes gives a ‘Pre-approved’ eligibility rating on comparison sites such as Experian Credit Matcher however may decline them after making an application. This is not putting the customer first or treating them fairly. I would like to see Virgin Money improve their digital services by introducing a mobile banking app where customers can manage their credit cards on their device and Apple and Android pay. Many other credit card issuers have this service. The online service via the website is very good because you can carry out most transactions, see duplicate statements, offers and view you pin. The telephone is always answered promptly and the staff are always helpful in card services. I really hope Virgin Money truly listen to the feedback on this review site and embrace it to continue to provide a good customer experience. Most of the service is positive however some aspects need improvement. Reviewed on: 17th January 2018

Reply from Virgin Money Thanks for your feedback, I'll be sure to pass that on to the relevent teams for you. 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: 23rd January 2018

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