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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:

Please don’t use This card

My card got hacked so I cancelled the card. Asked for a new card to be sent out . Card was sent to the wrong address, when I contacted them to ask where my card was they wouldn’t tell me the address it was sent to. They just said it wasn’t sent to the address I asked. I Tried the same process again giving them my address 3 times making sure they had the correct address. Again the same thing happened, I’ve never had an issue receiving mail at this Address, it’s now been one month no card. Tried several times to resolve the problem and the consultants were of no help whatsoever. This card has a few good things going for it in the rewards program but thats about it. This is the first review I’ve ever wrote custom service is the worst, once your card is locked from being hack you cannot access to see any transactions. I wanted to cancel my card and pay out the balance but couldn’t access my profile to double check the transactions. End of the day worst experience cannot recommend this card whatsoever Reviewed on: 10th February 2025

Using Credit Card Service

like the website, never had any issues, good interest free period. Reviewed on: 25th January 2017

Overall Good

Overall quite good, easy to use, good offer for 2 years. Reviewed on: 25th January 2017

Highly recommended.

Fast, informative process when I wanted to make a balance transfer on my credit card. Great interest free period, all contact has been brilliant. Reviewed on: 24th January 2017

Good all round service

Service is good and contacting Virgin money is not difficult. However the day to day use of the website could be made easier. it doesn't seem to be as user friendly as other similar interfaces. Reviewed on: 24th January 2017

Rewarding card service

Virgin have provided me with a generous credit limit along with useful offers throughout the time i've held a card with them. Would recommend. Reviewed on: 24th January 2017

Brand is everything....

When I first jumped on the 'Virgin Money' band wagon more than 2 years ago, I was trepidatious... Was this just another example of a very successful well known brand launching into unnecessary territory, merely to make a profit? I couldn't have been more wrong, Virgin Money offers customer service like no other high street bank or building society - never have I ever left Branch or finished a telephone banking conversation without knowing that my feelings matter. For example, I was 19 when I applied for my first credit card, I was very green (unashamedly, I still am), I had no idea about 'minimums', 'balance transfers', 'limits' or any of the other jargon that comes with a credit service - but I know that when I get confused, if I ever find myself confused - I ring the number on the back of my card, and within 5 minutes my question is answered and there's a smile on my face - Some people may say that telephone banking and call centres are cold and impersonal - but somehow, Virgin money have mastered this and leave me ending the call with a smile on my face. Do they offer the biggest line of products on the market? No, but what they do offer is quality and a genuine care for the customer - Bravo VM, you really know how to keep this 21 year old happy. :) Reviewed on: 23rd January 2017

Quick, great customer service, happy customer

I couldn't recommend Virgin Money more. The intial decision for them was quick, almost instant, and customer service has been fantastic whenever I have needed them. Reviewed on: 22nd January 2017

Very easy to apply and easy to digest

The application process was pain free with all communications being easy to digest, giving only the information required and minimal jargon. Website account is clean and user friendly. Overall good experience Reviewed on: 18th January 2017

great product works well for me

i feel that Virgin has covered all the bases and this card works well with my lifestyle Reviewed on: 17th January 2017

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

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