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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

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

No Moral Compass

Due to personal circumstances, missed payment by a couple of days. Account was levied with both late payment charge & interest. Whilst I was accepting that the late payment was my fault & accepting of the charge, Virgin removed my offer (0% Balance Transfer) forcing me to look for another provider. Virgin not interested in circumstance, just quoted their policy & yes it's in the small print, but I would have expected a little empathy given the circumstance....Virgin you have no moral compass & I shall never use your Brand again, whether that be finance, travel or media!! Reviewed on: 14th January 2018

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