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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)

Simple and Brilliant.

Card arrived in 2 days. Activated and being used without any problems. T&C's easy to understand. Benefits being offered instantly. Can't wait until they bring out a new bank account. Reviewed on: 30th May 2017

Reply from Virgin Money Hi Neil, glad to hear you’re enjoying your new Credit Card! You can register here to keep up to date with all the latest benefits and competitions; https://uk.virginmoney.com/virgin/service/. Thanks, Jane Response date: 1st June 2017

Good rates and easy transfer

I recently transferred a balance to a virgin money credit card. The 0% time period offered was excellent and the transfer handled very well Reviewed on: 30th May 2017

Reply from Virgin Money It's great to hear from you Simon! Glad you're happy with your new Credit Card, just drop us a message if there's anything we can help with. Thanks, Jane Response date: 1st June 2017

Easy

Can b used almost everywhere very handy Reviewed on: 24th May 2017

Reply from Virgin Money Good to hear from you Anita! Glad you’re enjoying using your Credit Card, just let us know if there’s anything we can help with! Thanks, Jane Response date: 25th May 2017

Poor customer service

Ridiculously bad customer service and unnecessary charges. Overall a really bad experience. Reviewed on: 9th May 2017

Reply from Virgin Money Thanks for getting in touch Kate. Would you be able to email your address, telephone number and details of what’s happened to [email protected] so we can look into this for you? Thanks, Jane Response date: 10th May 2017

Great service, wonderful benefits

I was really happy with the credit card I took out with Virgin Money. The staff were always easy to reach on the phone, friendly and helpful. I took some insurance on my credit card which then led to Virgin paying off a percentage of my balance for three months after I gave birth. It was well worth it and a great help. I would recommend them to everyone. Reviewed on: 9th May 2017

Reply from Virgin Money Glad we were able to help with your Credit Card Elizabeth, especially after the addition of your little one! You know where we are if there’s anything else we can help with. Thanks, Jane Response date: 9th May 2017

Brilliant service

Wonderful service and the website is amazing- highly recommend Reviewed on: 5th May 2017

Reply from Virgin Money Hi Rhiannon. We love our website too, thanks for the feedback! Just get in touch if there’s anything we can help with. Thanks, Jane Response date: 9th May 2017

Great rewards

I use my Virgin Atlantic MBNA cards for my everyday purchases and pay it off each month as I get airmiles added to them and I'm saving them for a trip to New York, they last 3 years so lots of time to collect them. You can also trade them in for spa days or wine hampers if you dont quite have enough. It's nice to be rewarded for customer loyalty and get a little something back from your everyday spends. We have 2 cards for the same account so my husband can use it the same way too. I also find the online account management on the website really user friendly it's easy to see the breakdown of spending. Would definitely recommend them to a friend. Reviewed on: 3rd May 2017

Reply from Virgin Money Hi Bex, good to hear from you! Glad you’re enjoying spending with your Virgin Money credit card and making good use of the benefits available. We hope you have an amazing time in New York! Thanks, Jane Response date: 4th May 2017

Good customer service & great introductory deals

The card was attractive due to an generous interest-free money transfer introductory offer. The interest rate does then rise to a higher level. The customer service has been great and friendly, though. Reviewed on: 3rd May 2017

No issues

No issues, good amount of time with no interest. Reviewed on: 1st May 2017

Reply from Virgin Money Hi Martin, thanks for getting in touch! Glad to hear you were happy with the application process and hope you enjoy using your new Credit Card! Thanks, Jane Response date: 2nd May 2017

Hassle free borrowing

A brilliantly put together online experience for applying for a credit card - the whole experience was easy and would recommend to anyone. A lot better and easier than other providers I've dealt with in the past. Reviewed on: 21st April 2017

Reply from Virgin Money Hi Danielle, it’s good to hear you’re happy with your new Credit Card! If there’s anything at all we can help with just get in touch. Thanks, Jane Response date: 21st April 2017

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