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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)

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

Leave well alone

PLEASE BE AWARE: Horrendous company who after having a plus balance balance on a credit card ,refused to pay back the funds.Had to report to Hampshire Police that Virgin Money UK had commited theft against me today. Once you open an account they refuse to close it as per your legal entitlement - leaving you powerless. Outrageous customer services and I would recommend that if you want days of worry,pain and anguish this is the company for you! Reviewed on: 9th September 2017

Reply from Virgin Money We'd be happy to take a look into this for you Scott, 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: 11th September 2017

be nice to have a card to use - update

The card that was due did not turn up when it should have. However a card turned up yesterday and another today!! I am now out of the 60 day 0% transfer period so the card is useless to me now. No one has contacted me despite my complaints. This is the worst service I have ever received. The most disappointing this is - No one cares. Reviewed on: 22nd August 2017

Reply from Virgin Money Sorry for the delay in replying to you Joanna. Did you email your details over to [email protected] so we could step in and take a look? Thanks, Lindsay Response date: 31st August 2017

be nice to have a card to use

took out this card in june yet despite 3 phone calls I have still not received the card. was wanting to take advantage of the 60 day 0% interest offer but that time has now elapsed. I have now emailed a complaint as I do not have the time or will to sit through another phone call. cannot believe a company like this cannot even manage to get a card to a new customer. Reviewed on: 16th August 2017

Reply from Virgin Money Thanks for getting in touch Joanna. We'd be happy to look into this further for you and would just need a few details. Can you email your postal address and best contact number to [email protected]? Thanks, Jane Response date: 16th August 2017

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