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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:

Always helpful

Never had bad service from them, always helpful and always keep you updated with changes and offers. Reviewed on: 14th December 2018

Fast & Easy

Very easy to apply, immediate response. Great after service support and pretty much everything available online. A mobile app would be nice though. Reviewed on: 2nd February 2017

Excellent customer service

Website excellent to use, easy navigation. Great communication regarding account activity and when I've had to speak to an employee they have always done everything to help. Reviewed on: 2nd February 2017

Good Balance Transfer Offers..... but it takes a month to put through

I applied for a Virgin Money account on 10th Jan 17 having keyed my credit cards in to complete a Balance Transfer. I then received a call from the Virgin Security team to approve the balance transfer and they confirmed that the request would go through shortly. I received the card and activated it shortly after. Nearly 3 weeks later the Balance Transfer still hasn't gone through and a call to their Customer Service Dept met with the response that it's usual for a Balance Transfer to take about a month to go through. Not in my experience with others banks! Because of the delay it looks like I will incur interest with my existing credit card so overall not a good customer experience. Reviewed on: 2nd February 2017

Reply from Virgin Money Hi Gus, Thanks for the feedback about your recent balance transfer. Can you email your name, address and a contact number to [email protected] so I can look into this for you? Thanks Jane, Virgin Money Response date: 9th February 2017

Fabulous Easy Friendly Service

It's absolutely wonderful to have a credit card with such easy to use access. Virgin always keep me fully up to date with offers applicable to me and I like the ease of logging on to check balances etc. It's nice to know that the team are on hand at any point to help with any queries we have. It's also a wonderful thing to have offers and competitions and treats aimed at us - so few services give 'something back' to the customer any more. Thank you Reviewed on: 2nd February 2017

Fantastic service!

I opened a virgin money account so that i could sort out my finances so that i am able to become debt free in the future. Virgin money is helping me with this and i am already in a better position than i was before. The process was simple and easy to use and the service was prompt and i am very happy! Reviewed on: 2nd February 2017

Great card, great service!

Very pleased with the service and interest rate I have on my credit card. I have had problems with other providers but not Virgin and am very happy to remain a customer. Reviewed on: 1st February 2017

excellent monthly offers

I have been a Virgin creditcard holder for 6 months, long interest free periods and excellent monthly offers, i.e. money transfers (basically a loan) @ 1.5% - outstanding Reviewed on: 30th January 2017

Accessible customer service & high security measures

Whenever I had an issue it had been very easy to get in touch with VM customer service; they must employ sufficient number of consultants as I had never had to wait too long to speak to someone about an issue I had. They had dealt with my queries and problems professionally and efficiently. Plus they take security very seriously and check your identity by employing various adequate measures. If there is any transaction on your account which they are not sure of, their team get in touch with you immediately to verify its authenticity. As a customer I have an easy access to my account via internet banking - can pay my bills, transfer money, see the latest transactions, read latest news and learn new offers, etc. All in all it has been for me a good experience with VM so far. Reviewed on: 29th January 2017

Make sure its memorable

When setting up account, as well as a Username you also need a password and pass number so make sure they are all memorable as it's quite a long procedure to change the information. Which is good security as one off codes also have to be entered, these are send to your mobile. Reviewed on: 28th January 2017

Fantastic

The Virgin Credit card is so easy to manage on line. Great offers and entrance to the lounge Reviewed on: 27th January 2017

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