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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:

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

great customer serviuce

fantastic customer service delivered Reviewed on: 24th August 2016

Promotional offers.

Did a balance transfer with 0% interest for a year whilst already in another deal. I had an email to inform me of the offer and I range up to do it. The customer service was excellent and answered all my questions. Reviewed on: 26th June 2016

excellent

best rate, and excellent bonus benefits Reviewed on: 9th June 2016

DD cancelled for no reason

DD was set up to pay into the account, but once money was paid in it was shortly transferred back and resulting in being charged for outstanding payments. Even though the money was available and had been move across into the account. Wouldn't give us back the interest that was charge on it, even though we had evidence showing that there were funds available. Reviewed on: 3rd May 2016

helpful in times of need.

I found the staff kind and understanding and they are very quick to resolve any issues. Reviewed on: 28th April 2016

Fantastic

The latest balance transfer rate from Virgin is outstanding. From the moment that I applied to the card arriving and the balance transfer taking place was only 4 days. I will save over £400 this year alone. Reviewed on: 26th April 2016

No Brainer

If you've a balance on a card that you're paying interest on, transfer it to Virgin. Quick, easy, and your statement every month tells you EXACTLY when your interest free period ends, so there's no danger of accidentally being charged interest cos you don't clear it in time. Reviewed on: 21st April 2016

Great Customer Experience

Very smooth transaction from applying to actually conducting my balance transfer. Had cause to contact customer services and my enquiry was dealt with very efficiently Reviewed on: 21st April 2016

Credit Card transfer made easy

I wanted to stooze my credit card balance and applied for a Virgin Money credit card and the process was so easy from the application to the transfer. I was so impressed by the ease of applying for the card online, the instant decision and the fact that I could transfer the balance of my existing credit card straight away without any hassle. I expected this to be complicated and it wasn't. Thank you Reviewed on: 28th March 2016

STRAIGHTFORWARD

transferred balance to this account as it offered a better rate. No problems at all and any queries are answered very quickly Reviewed on: 24th December 2015

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