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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.96 (799 reviews)

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3.79

Based on 799 reviews, last reviewed 21st Aug 2025

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

63%

11%

20%

Latest highest rating:

5

Would 100% recommend Great experience and easy to use the app, when I’ve had to contact them it’s always been easy Reviewed on: 13th June 2025

Latest lowest rating:

1

This bank has one of the worst service out there. This bank has one of the worst service out there. We have banked with them for over 65 years. The credit card cancels transactions without notificatio... Read more Reviewed on: 21st August 2025

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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 (799)

Easy to deal with and no jargon

From first looking at the website to find out about their products to completing my application to understanding the terms and conditions, everything was easy to understand, there was no use of jargon and the whole process felt friendly. The documentation received by email was clear and was received quickly and notification of acceptance was very quick. I couldn’t be happier. Reviewed on: 16th November 2017

Credible Credit Card

A very individual but Globally recognised brand with seamless customer service and excellent communication. Reviewed on: 16th November 2017

Virgintastic

Virgin credit gave me a chance to feel brand new this year. Reviewed on: 16th November 2017

Excellent benefits!

My credit card of choice with all the benefits that the card brings, including my favourite, the Virgin Lounge. On the rare occasion I've had to speak with a member of staff in relation to my credit card I've been impressed with their assistance and real commitment to resolving my issue. Reviewed on: 16th November 2017

Excellent service

Really happy about choosing Virgin Money Reviewed on: 15th November 2017

Faultless

Helpful customer service. Easy to use online portals Great promotional events Reviewed on: 15th November 2017

Ruthless and taking advantage of people

Aparently I miss understood the small writing on one of the conditions on my card. I called in advance to make sure I could use for shopping, but as one of Virgin Money's customer service employees said "it's not their problem that I didn't understand it correctly". I applied to have the phone conversation being revised and 3 weeks after it should have been resolved still had not heard anything back. Of course when I called to enquire the result was that I have been perfectly informed and virgin will not do anything about it. If I want to get a transcript of the conversation I have to apply in writing, pay £10 and wait a minimum of 4 weeks (0n top of the 3 weeks this has already been going on for). Clearly making it easy for the customer... It is such a shame, I was over the moon about the 0% period I got on the card but I have ended up loosing £72 i can't afford to loose at the moment. At no time whatsoever virgin has tried to be understanding or fair. Very disappointed. PLEASE BEWARE OF THE SMALL WRITING IF OPTING FOR VIRGIN AND KEEP YOUR FINGERS CROSSED THAT NOTHING GOES WRONG AFTER, THEY WILL NOT DO ANYTHING TO HELP YOU. Reviewed on: 7th November 2017

Reply from Virgin Money Thanks for getting in touch Helena. We'd be happy to take a look into this for you, and would just need a few details to find you on this end. Can you email your postal address and best contact number to [email protected]? Thanks, Jane Response date: 7th November 2017

Awesome interest free period

Virgin Credit Card are offering a Balance transfer Interest free period till 2021... my application was processed within minutes and so very simple to complete. I would reccommend Virgin Money to absolutely everyone I know Reviewed on: 7th November 2017

Reply from Virgin Money Great to hear you've been accepted for a Credit Card with us, glad you found the application process so simple. Just get back in touch if there's anything we can help with. Thanks, Jane Response date: 7th November 2017

Should improve clarity and proactiveness of communication

I missed a minimum payment simply because I forgot to pay. I called their customer care, apologising, and enquiring whether I had lost my promotional rate, and was told I was going to keep it, as long as I immediately paid what I had to. I very much did so, thus going back to be a "good customer", but not for long. In fact, while I did set up a direct debit... I did it too late, unfortunately! I missed the *subsequent* minimum payment as well. Nobody called me to tell me that, at that point, I had missed another payment and I found out I was charged interest when I got the bill. So, thinking that they had lied about my promotional rate, I wrote an angry negative review here, when in fact this is just a misunderstanding. I must suggest, however, that being more proactive in informing people about their rate changes might help honest and *solvent* customers avoid nasty surprises - even though self-inflicted. Reviewed on: 4th October 2017

Reply from Virgin Money Hi there. If you'd like me to investigate this further for you Giacomo, please send your details over to [email protected] and I'd be happy to take a look. Thanks, Lindsay Response date: 5th October 2017

Abismal Customer Service

After being sent a request for ID to an OLD address they stopped my DD and then put me onto standard terms instead of interest free when they failed to collect my DD, took hours and hours on the phone to sort out. Reviewed on: 30th September 2017

Reply from Virgin Money Hi Lisa, we'd be happy to look into this for you. Can you email your details, including postal address and best contact number, to [email protected]? Thanks, Jane Response date: 3rd October 2017

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