Write a review

Virgin Money: Credit Cards reviews

Name: Credit Cards
Rating: 3.96 (798 reviews)

View other Virgin Money products

3.80

Based on 798 reviews, last reviewed 13th Jun 2025

20% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

64%

11%

19%

Latest highest rating:

5

Would 100% recommend Great experience and easy to use the app, when I’ve had to contact them it’s always been easy Reviewed on: 13th June 2025

Latest lowest rating:

1

Disgusted with fees Purchased a product from an overseas seller and while I understand there are international transaction fees I wasn't expecting $130 for a computer to ... Read more Reviewed on: 11th March 2025

Read all reviews Write a review

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.

Do you have a Virgin Money credit card? If you do then you can help other customers make good financial decisions by leaving a Smart Money People review.

Review Virgin Money: Credit Cards now

Help others make smarter decisions by sharing your own experience.

Write a review

Virgin Money Credit Cards reviews (798)

Worst Credit Card Security Process

I had been sent letters about balance transfer offer so wanted to take advantage of consolidating my other credit card debts. 1st went fine but when I tried to complete another I was directed to the app but was blocked when I was asked a previous address in Bristol, I gave my previous address but they told me the information was incorrect and that I was then blocked from accessing the and told I needed to wait for a letter where I would be told how I go provided proof of address and photo ID. After nearly a month and 4 calls, I even raised a compliant I’m still blocked from my account told I need to find photocopier so I can I prove who I say I am. Terrible customer service because I’ve been promised 3 times the letter had been sent to be told today I don’t need to wait for (which was still not sent even) I received an acknowledgment of my compliant made over 2 weeks ago. Very poor processes I would strongly recommend any other credit over this one Reviewed on: 11th March 2023

Fantastic company

Credit card app very useful friendly Reviewed on: 11th March 2023

Unable to use service without a Google or Apple acocunt.

There is no way to access the Credit Card account without a smartphone app - no access via the website, at all. The app does NOT work without Google Play Services, therefore requiring a Google account to install the app legitimately on an Android device. If you choose an iPhone, you need an Apple account. It should NOT be legal to require an account with Google or Apple to access a financial product. Reviewed on: 10th March 2023

Quick, easy

Quick and easy, really great product and helpful staff Reviewed on: 10th March 2023

Great service friendly helpful

Great bank Great service understanding friendly and very helpful Reviewed on: 10th March 2023

excellent App, very detailed.

Virgin keeps me abreast of my spending. Reviewed on: 9th March 2023

Excellent rewards

The Virgin Atlantic points and reward vouchers are super handy and allowed us to fly in upper class when we'd never be able to afford it otherwise. Reviewed on: 9th March 2023

Absolute rubbish

They don’t contact you they are hard to contact on hold at least 45 minutes staff are rude and unhelpful all they care about is squeezing every penny out of you! Reviewed on: 6th March 2023

Fine as a credit card horrendous if you have a problem with a retailer!!

I had used my credit card fine, the app was OK. Annoyed they use your details to try to sell you Virgin Media I did not give permission for that!! I had a problem with a retailer that did not send the goods and in reality looks like they are scam artists! I notified Virgin I had a problem and had tried to rectify it myself to no avail. More than two weeks later the amount is still on the account, they have not notified Mastercard of the problem that will take another couple of weeks!! Mastercard can then take another 90 days to resolve it and then finally I get a refund!! I once had this happen years ago with a different credit card company and it was taken straight off of my account and they dealt with it themselves! I also now find my Equifax record shows I have a dispute with Virgin although I pay everything fine and my credit rating has been reduced drastically!! Don't touch them they are not worth the problems you will get!! Reviewed on: 6th March 2023

Decent rates, but not so great technology

The credit rates are good, but the app which you are required to use in managing the card is fairly poor. Reviewed on: 1st March 2023

Do you have a different Virgin Money product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Classic Extra Card
from Capital One 3.72 from 6 reviews
Select Credit Card
from Nationwide 3.58 from 10 reviews
Classic Credit Card
from Capital One 4.04 from 283 reviews

Want to see more from Virgin Money?

Help to Buy: ISA
from Virgin Money 4.52 from 23 reviews
Fixed Rate Savings
from Virgin Money 4.27 from 60 reviews
Regular Savings
from Virgin Money 4.11 from 59 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub