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Virgin Money: Credit Cards reviews

Name: Credit Cards
Rating: 3.96 (792 reviews)

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3.76

Based on 792 reviews, last reviewed 17th Apr 2025

33% increase in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

63%

11%

20%

Latest highest rating:

5

The staff are absolutely fantastic they are helpful,... The staff are absolutely fantastic they are helpful,will come and ask if you are okay and can they help in anyway. Reviewed on: 17th April 2025

Latest lowest rating:

1

Disgusted with fees Purchased a product from an overseas seller and while I understand there are international transaction fees I wasn't expecting $130 for a computer to ... Read more Reviewed on: 11th March 2025

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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.

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Virgin Money Credit Cards reviews (792)

Customer and User Friendly

I have had my Virgin Credit card for a number of years now. I've made different large purchases on this card and the occasional balance transfer onto my Virgin Account all because I find the service easy to use and this is refreshing for this sector. Virgin keep me up to date with statements and offers but they dont bombard me with 'Spam' mail. I've generally had negative experiences with online banking, particularly with log in functions, however I've never had any problems with the Virgin Account. Whilst you wouldn't judge a book by it cover, Virgins Marketing and brand are also pretty fresh and contemporary. The Sex Pistols design credit card must be the coolest out there. That aside though I wouldn't have stuck with Virgin it they didn't have the product to back it up. You don't get left out of the loop with promotional rates as an existing customer. The reasons above are why I've been with Virgin this long and long may it continue! Reviewed on: 17th January 2017

Great rates and transfer periods

Virgin money offer great balance transfer rates over good periods of time. Very easy to transfer balances. Telephone staff very polite and helpful. Reviewed on: 17th January 2017

Online banking is not up-to-date with 2017...

The online banking is not easy to navigate. It's very basic and there's a lot of work involved trying to find out basic information. Every time I log in I forget how I last found some information as it's so long-winded, so I have to click on every link to find it. Virgin Money should take note from other online banking sites, like Barclaycard or Natwest. Much more straightforward and user-friendly. Also, I have not been offered any credit card promotions for a long time. It seems once the initial offers have been used then there are no more. There is no incentive to stay with Virgin Money. Once I pay off my balance I will probably close my card. Reviewed on: 17th January 2017

Reply from Virgin Money Hi there, thank you for your feedback about the online service, I’ll pass it on to the team for you. As a Virgin Money customer, you’re entitled to different offers and discounts which you can view here; https://uk.virginmoney.com/virgin/service/. Hope that helps! Thanks, Jane Response date: 9th February 2017

Vigin Money, the future of banking

My experience of Virgin Money has been absolutely fantastic. I used a promotional offer to transfer a balance from another credit card. The transaction was seamless and it went through without any delays or problems. Since having my credit card account with Virgin Money I've used their online banking facility to manage all aspects of my account, again without any problems or issues to date, Its very easy to bank on line with Virgin, as a result I have no hesitation recommending them Reviewed on: 13th January 2017

So Simple

This balance transfer credit card has been the most simplest to use online, very efficient and very lovely people at Virgin Money Reviewed on: 13th January 2017

0% interest offer

This card is great because of the 0% interest for 18 months offer you get. Reviewed on: 15th December 2016

OK

I use Virgin for their credit cards and it's just ok. While it is easy to use, I'm disappointed that I haven't had many perks for being a customer so far Reviewed on: 15th December 2016

Give me an app!!!

I do like the card art - I chose the sex pistols cover for my card which EVERYONE comments on, but the lack of an app to see my balance is really frustrating me. having to a) find the login page for credit cards, and then b) enter 3 pieces of info to get to a transaction view which frankly isn't great is really killing the experience for me. Also, i can't get another card for a second account holder, and apple pay is STILL not supported. 'could do better' Virgin Money Reviewed on: 21st November 2016

Credit card. Accepted and balances transferred but no card recieved and no one will tell me why other than my account is under review

Absolutely appalling, worse provider I have ever used. Avoid, avoid, avoid. Opened a credit card and as part of the application transferred two balances. All went through fine, balances transferred, but no card received. Called to inquire over this and was told I had failed security which seemed absolutely bizarre and was told the representative couldn't help and I would have to call again. Called again and passed security giving the same answers but was told my account had been referred to a specialist department. No one will tell me why, whether this is due to fraudulent activity nor what the timescales for resolution are nor can they commit to anyone calling me back. What an absolutely dire experience for a new customer. Been holding on the phone for an hour to be told the same thing. Reviewed on: 18th November 2016

Impossibly difficult to set up online, snotty call centre staff, better service out there

I have several 0% cards and this is the only one which I have still (5 months0 not been able to get onlien to service. Jumping through hoops does not even begin to cover it. So I am forced to call their call centre staff, spoke to some snotty kid who was downright dismissive. Would not tell me what date my DD comes out "it varies", yeah but roughly when in the month? "it varies", how many months left on my 0% deal "i don't know - it ends in december 2018" - happy to let me work that out while on the phone to him), nor how much i would need to pay per month to pay off card by time 0% deal ends - "I am not a financial advisor" Yeah - but you have a calculator tho pal don't you. Never have these problems or snootiness with Lloyds, Tesco, Santander or Barclaycard. Needless to say I am paying this one off first and will not be coming back to Virgin cards. I donlt knwo who their call centre staff think they are but i really don't need or expect to be talked down to by someone dealing with my finances which ultimately pay their wages! Reviewed on: 26th October 2016

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