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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)

very reliable, always offers

never had a problem with virgin money from the start. everything was easy to set up. Reviewed on: 4th April 2017

Reply from Virgin Money Hi Kelly, great to hear you’re happy with your Credit Card! Just get in touch with us if you have any queries. Thanks, Jane Response date: 4th April 2017

Quick, easy application

Application was easy and account opened swiftly. Appropriate limit applied to the account and excellent promotional offers. Very pleased. Reviewed on: 10th February 2017

Great rates, easy processes

I applied for this credit card to pay for my wedding. My (now) wife and I were shopping and found the perfect rings for us at our local jewelers. We went for dinner to think everything through and before the starters were brought out to us we had a decision and the credit card was on its way. Six weeks later we had the rings ready in time for our big day! The, quite frankly, amazing interest rate of 0% APR on purchases for 30 months meant that we could take the stress out of paying for everything by spreading our payments out, and even go on our honeymoon to see the Northern Lights! Reviewed on: 9th February 2017

Reply from Virgin Money Hi Abigail. It’s so lovely to hear your feedback! Glad we were able to help make all the planning for your special day that little bit easier. I hope you and your wife have an amazing honeymoon! Thanks again, Jane. Response date: 10th February 2017

fabulous product

I have a 0% card. I have an easy online account so I can see exactly where the account is. I was able to sort both a balance transfer and a payment into an account. It is super easy to manage and the emails and communication from virgin is brilliant and has a personal friendly touch. All this and access to their lounges too. awesome. Reviewed on: 9th February 2017

Good Rates and Good Offers

Always good rates and offers. Happy With customer service. Reviewed on: 9th February 2017

Great service

Easy to use and great benefits - love the virgin money lounges! Reviewed on: 8th February 2017

Secure and up front

Really happy with my experience with Virgin money credit card for balance transfers - I used a 0% for 3 years offer. Everything explained in plain English, and transfers, direct debits and one-off payments easy to complete over secure website. Phone calls from customer service to approve some higher risk transfers add extra layer of trust. Reviewed on: 7th February 2017

No stress

When I first got my card after my balance transfer I set up my direct debit. But it was not In time for my first payment Coming out which I didnt realise. I then got a charge and lost all my promotional percs I had with the card. I phoned up VIRGIN and feared the worst. They happily refunded my charge and set up my promotional percs again with no fuss whatsoever I was very happy and surprised with the level of cutomer service I recieved thank you virginmoney Reviewed on: 7th February 2017

Great product

The Manchester United credit card is a great product Reviewed on: 7th February 2017

Recommended!

Easy to switch and transfer funds. Website / online portal is easy to register and navigate once in. Email correspondence is clear and concise and relevant. Reviewed on: 6th February 2017

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