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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)

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

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

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Virgin Money: Credit cards reviews

50% increase in 5 star reviews

200% increase in 1 star reviews

Latest highest rating:

5

Latest lowest rating:

1

About this product

Review Virgin Money: Credit cards now

Virgin Money Credit cards reviews (806)

Brand is everything....

Quick, great customer service, happy customer

Very easy to apply and easy to digest

great product works well for me

Customer and User Friendly

Great rates and transfer periods

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

Vigin Money, the future of banking

So Simple

0% interest offer

Review Virgin Money: Credit cards now

Join Smart Money People

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