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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.82 (813 reviews)

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3.82

Based on 813 reviews, last reviewed 15th Jun 2026

300% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

64%

11%

20%

Latest highest rating:

5

Good rates on foreign credit card purchases Good rates on foreign credit card purchases plus points of value. Whats app easy to manage and use. Reviewed on: 15th June 2026

Latest lowest rating:

1

Fraudulently charged fees to correct their mistake Virgin money took a direct debit from my account despite the balance being £0 and the direct debit being cancelled. When I went on their app I request... Read more Reviewed on: 13th June 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 (813)

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

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

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