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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.96 (801 reviews)

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3.85

Based on 801 reviews, last reviewed 22nd Jan 2026

200% increase 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

Easy to use app. Easy to use app. But shame about delays on updates. Reviewed on: 22nd January 2026

Latest lowest rating:

1

This bank has one of the worst service out there. This bank has one of the worst service out there. We have banked with them for over 65 years. The credit card cancels transactions without notificatio... Read more Reviewed on: 21st August 2025

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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 (801)

Review of the Virgin Money, Credit cards:

Fun to be an account holder

Love the rude Mastercard. Get asked about it all the time. Reviewed on: 16th November 2017

Reply from Virgin Money Hi Richard. Lovely to hear from you, fab to know you're enjoying your Credit Card! Thanks, Jane Response date: 16th November 2017

Love, love, love

What I love about this credit card is my spending goes towards air miles which in turn gives me free flights. I’d be spending the money anyway so definitely would recommend Reviewed on: 20th March 2023

Professional

I was very surprised how easy it was to navigate the app. Reviewed on: 17th March 2023

travel money

I got this credit card because it can be used abroad without additional banking fees or foreign cash transaction fees. Also the exchange rate matches the standard exchange rate without any mark-up. Reviewed on: 16th March 2023

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

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