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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.96 (802 reviews)

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3.83

Based on 802 reviews, last reviewed 12th Feb 2026

200% increase in 5 star reviews

in the past 90 days

No new 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:

Trying to resolve an issue...

I have been trying to resolve an issue with Virgin Money since the 25th November, and due to misinformation has now landed me in quite an awful situation, subsequently I'm now being penalised for their mistakes, which if the correct information was provided in the first instance the issue would have been resolved. First line customer services are inexperienced, have a lack of knowledge of most things it seems, poor phone etiquette and a general sense that they just don't care. I have spent so much time on hold from my initial calls, through to being COLD transferred on numerous occasions to the incorrect department, requiring me to reiterate the reason for my call. The mistake they caused will apparently take up to 8 weeks through their complaints team to resolve... which then puts me in a very precarious financial situation due to the circumstances I've been placed in, which being a mistake on their part, this should be looked at as a priority! Severely disappointed with the service offered from all accounts, and certainly will not be using their services again once this issue is finally resolved IF it get's resolved, because from my experience so far, I am not confident. I'd would urge anyone to seriously rethink their options before considering Virgin Money, any mistakes they make, you will almost certainly be penalised for! Reviewed on: 13th December 2021

Good credit card for overseas trips

Good credit card for overseas trips as are not charged a fee for using the card overseas unlike other banks. Reviewed on: 31st May 2023

Simple, competitive

In the year I have used this credit card, I have encountered no problems or had any cause to contact the bank. The app is very easy to use and rates were competitive at the time of application. Recommend. Reviewed on: 31st May 2023

Easy to use app

Easy to do most things in the app and mine was a good travel and first credit card. Reviewed on: 31st May 2023

Credit Card limit decreased

Good Morning been on to Virgin so they know this is coming, Two weeks ago I took money out the credit card for my sons birthday, Not much to be honest but according to the team it highlighted critical activity on my CC so took my limit and decreased it by 6700, Spoke to an advisor who said sorry cannot do anything about it I need to contact virgin by post with an appeals letter, I am like you having a laugh, Never late with a payment never missed any paid more to keep limit down now shocked to have lost a limit due to taking money out at a ATM there is nothing in the terms and conditions dictating this, Disgusted by this Reviewed on: 26th May 2023

Transfer

İsim ile UPC numarasını Bildirriirseniz iyi olur Reviewed on: 15th May 2023

Great card - but phone line needs improvement.

I really like the card but I had to call them today. My word - there are numerous recorded messages. I reckon it took 6 or 7 minutes before I could speak to anyone. They then told me to call back because I got the security questions wrong! I'll do it another day I think. Reviewed on: 14th May 2023

Can't make payments

On 6th April, throughout the afternoon UK time, I have been trying to make a payment. Rejected for no reason. This is the fourth time I've had trouble paying this company (using that company's app on my phone) in the past few months. The first two times I had to ring up, remove a block, and try again. The third time (15th March) I asked them to add the company to the safe list, which they agreed. Payment still failed and went through the whole process again on the 16th, finally getting the payment through. Today, have tried seven times and been on the phone with the fraud department for an hour, passed from pillar to post. No one has any idea why the payment won't go through. IT IS TO AN EXTREMELY REPUTABLE FINANCIAL INSTITUTION, AN ESTABLISHED UK BRAND. There is no reason to have this much difficulty. Reviewed on: 6th April 2023

Choice of card and great APR

My application with Virgin money for my credit card was quick and simple, plus you get to choose a card design which makes it feel more personal! The APR on my card is great and it helps me balance my money each month whilst protecting my credit rating as payments are so easy to make as the App offers really great functionality Reviewed on: 6th April 2023

Reasonable credit

I like that they send alerts for new products Reviewed on: 5th April 2023

Easy to deal with and efficient

App is easy to use, staff are efficient and helpful. Sometimes the app can be slow with setting things up ie direct debit but otherwise great service Reviewed on: 5th April 2023

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