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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.82 (813 reviews)

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3.82

Based on 813 reviews, last reviewed 15th Jun 2026

300% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

64%

11%

20%

Latest highest rating:

5

Good rates on foreign credit card purchases Good rates on foreign credit card purchases plus points of value. Whats app easy to manage and use. Reviewed on: 15th June 2026

Latest lowest rating:

1

Fraudulently charged fees to correct their mistake Virgin money took a direct debit from my account despite the balance being £0 and the direct debit being cancelled. When I went on their app I request... Read more Reviewed on: 13th June 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 (813)

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

Shining a light on all things money

From the online experience to the app, Virgin Money has helped me to handle my finances in a mature but pleasurable fashion. Virgin Money makes me feel as though they are on MY side, there to help me not judge me and to remove any stigma about dealing with all matters money. Virgin Money allows you to be a grown up about money while ensuring it's a pleasurable experience. Reviewed on: 14th January 2018

Great promotional deal, simple to use and with no problem what so ever

Applying for a credit card with virgin was so easy and simple to do. They gave me a great deal. Their online website is easy to use and very safe and secure. My card came in the post within a couple of days and I’ve had no problems with them ever since. Reviewed on: 13th January 2018

Definitely reccommend

Fab rewards Great service overall . Reviewed on: 12th January 2018

Amazing offers, good rates brilliant service

Virgin offer great 0% deals even after your promotional deal finishes there is always a good deal to take advantage of. By far the best card I have. Reviewed on: 11th January 2018

Simple to understand, easy to use

Been using this service for several years now and overall it is great. The website its straightforward and easy to navigate. The charges are clear and simple to understand, being able to manage my credit via the website is really easy. Reviewed on: 8th December 2017

Pretty good

Good deal, useful lounges and nice-looking card! Reviewed on: 24th November 2017

Virgin Money...Second to None!

I took out a credit card with Virgin Money in September. I was very hesitant about getting a credit card as I am from the 'old school' If you don't have the Cash you don't buy...But I am very pleased with everything about Virgin Money, and the Customer Service is second to None. Reviewed on: 23rd November 2017

Helped me do much

Virgin have helped me get my money back on track so get my life back on track too Reviewed on: 22nd November 2017

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