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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:

Trying to resolve an issue...

I have been trying to resolve an issue with Virgin Money since the 25th November, and due to misinformation has now landed me in quite an awful situation, subsequently I'm now being penalised for their mistakes, which if the correct information was provided in the first instance the issue would have been resolved. First line customer services are inexperienced, have a lack of knowledge of most things it seems, poor phone etiquette and a general sense that they just don't care. I have spent so much time on hold from my initial calls, through to being COLD transferred on numerous occasions to the incorrect department, requiring me to reiterate the reason for my call. The mistake they caused will apparently take up to 8 weeks through their complaints team to resolve... which then puts me in a very precarious financial situation due to the circumstances I've been placed in, which being a mistake on their part, this should be looked at as a priority! Severely disappointed with the service offered from all accounts, and certainly will not be using their services again once this issue is finally resolved IF it get's resolved, because from my experience so far, I am not confident. I'd would urge anyone to seriously rethink their options before considering Virgin Money, any mistakes they make, you will almost certainly be penalised for! Reviewed on: 13th December 2021

Great offer

I have a two year 0% credit card but this has been a great deal and the minimum payments are so achievable that I can easily pay it off. If I have had any questions or issues they are easily answered, and all the communication has been good. Plus no naggiing or harassing with other offers! Reviewed on: 12th June 2017

Reply from Virgin Money Very pleased to hear your fantastic feedback Elizabeth! If you need anything else, you know where to find us. Thanks, Abbie Response date: 12th June 2017

No constant nagging

They just let you go on with it and offer good deals Reviewed on: 11th June 2017

Reply from Virgin Money Lovely to hear your comments Gina, thanks for the feedback. We'll be here if you need anything else from us! Thanks, Abbie Response date: 12th June 2017

virgin credit card

good value transfer offers and good amount of time to payback at 0%, easy access to money transfers and new only layout is nice. Shame about the lack of an app. really missing this component Reviewed on: 10th June 2017

Reply from Virgin Money Thanks for the great feedback Barry, we're focussed on mobile optimisation at the moment but we'll be the first to let you know if that changes in the future! Thanks, Abbie Response date: 12th June 2017

Great flying club rewards and customer service

I have been using Virgin Money as my credit card provider for 12 years now. I applied for this via Virgin Flying Club and I get great rewards from airmiles to annual free upgrades. On a couple of times where I have had issues, the staff have been great and issues resolved quickly. I have already referred them to friends who have also been really pleased with them. Reviewed on: 10th June 2017

Reply from Virgin Money It's great to hear your lovely comments, thanks Kerry-Anne! Be sure to check out the other rewards we offer to customers, just for being a part of the family https://uk.virginmoney.com/virgin/service/offers-and-prizes/. We'll be happy to help, if you need anything else. Thanks, Abbie Response date: 12th June 2017

Good company

Good customer service - very helpful Reviewed on: 6th June 2017

Reply from Virgin Money Good to hear from you Mark, glad you’re happy with your Credit Card! You know where we are if there’s anything we can help with. Thanks, Jane Response date: 7th June 2017

Amazing interest free

Easy to access and the best interest free period that I have seen Reviewed on: 2nd June 2017

Reply from Virgin Money Thanks for your comments Sally, it’s great to know you’re happy with your new Credit Card! Thanks, Jane Response date: 2nd June 2017

An amazing rate for a long period

Only good things to say about Virgin Money. I got a 0% credit card for 2 years, plus you get to choose your credit card design! Having a Sex Pistols piece of plastic makes me very happy. Reviewed on: 1st June 2017

Reply from Virgin Money Good choice Margaret, that’s one of our favourites too! It’s fab to hear you’re so happy with your Credit Card, you know where we are if there’s anything we can help with. Thanks, Jane Response date: 2nd June 2017

Fab credit card with long 0% offer

Virgin are excellent for their long 0% deals and this comes in very handy for me. Whole application process is clear and straightforward. Have had no problems with them and would recommend them to others. Reviewed on: 1st June 2017

Reply from Virgin Money Great to hear Ross, thank you! Just get in touch if there’s anything we can help with. Thanks, Jane Response date: 2nd June 2017

No fuss!

Virgin made it easy for me to enquire about credit cards, gave me a quick answer and easy to read emails with all the information I need, it's great! Reviewed on: 1st June 2017

Reply from Virgin Money Hi Carys, great to hear from you! Happy to find you were able to get all the info you needed so easily, just let us know if there’s anything else you need! Thanks, Jane Response date: 1st June 2017

Credit card and tranfers

I recently carried out a balance transfer to my virgin card. It was so easy. It was all done online, and within an hour, the balance was showing on my virgin account and my other provider was credited within 24 hours. amazingly clear and easy. Reviewed on: 31st May 2017

Reply from Virgin Money Thanks for leaving your lovely feedback Sarah, it’s great to hear we were able to help make your move to us so simple! If you have any questions just let us know! Thanks, Jane Response date: 1st June 2017

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