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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)

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

Easy application and set up

After using a price comparison site I chose a Virgin Money credit card. The application was all done online and my balance transfer was done at the same time, which maximised the change in deal. Only issue is there isn't an app, only an online site, however the pin can was accessed online and not sent in the post. Reviewed on: 21st September 2016

good service

good service, easy to use website, information easily acceptable Reviewed on: 16th September 2016

not great

Not great if im honest with you, I'd rather not go into it. Reviewed on: 8th September 2016

GOOD

Have had this credit card for a while now and never had any problems with it. Also have a savings account with virgin money and the staff are always friendly and helpful when I visit Reviewed on: 7th September 2016

Very positive experience

I have had my account with Virgin for approx 8yrs, I have found it easy to manage my account online and have always had requests / concerns dealt with promptly. I'm very happy with the service . Reviewed on: 6th September 2016

excellent service

easy to access information. credit card provides good value for money prompt response from customer service website easy to understand excellent online access Reviewed on: 6th September 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)

OK

Give me an app!!!

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

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

Easy application and set up

good service

not great

GOOD

Very positive experience

excellent service

Review Virgin Money: Credit cards now

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