Virgin Atlantic Credit Card
A card that really takes you places. Representative 26.9% APR (variable)
Let the good times roll
Clock up Virgin Points with your Virgin Atlantic Credit Card and discover a world of rewards.
Here's how it works
- From your next coffee to the weekly shop, you’ll earn Virgin Points on all your day-to-day spending
- Get some Virgin va-va-voom when you spend with Virgin Atlantic and Virgin Holidays – we’ll double your points
- Unlock fabulous flight upgrades to Premium or Companion tickets with Virgin Atlantic's Flying Club when you reach the required spending level
- Discover 200+ ways to spend your Virgin Points with Virgin Red, the rewards club from Virgin. Hotels, cinema tickets, epic experiences and little treats – the choice is yours!
- Take your card on holiday and enjoy no foreign exchange fees on spending in Europe Foreign transactions have a 2.99% fee. This fee does not apply to transactions in Euros, Swedish Kronor or Romainian Lei made within the European Economic Area (EEA).
With a Virgin Atlantic Reward Credit Card, you'll also earn cashback when you shop with selected top brands.
Discover cashback
Choose a card that suits you
1.5 Virgin Points
for every £1 spent on everyday purchases*
3 Virgin Points
for every £1 spent direct with Virgin Atlantic or Virgin Holidays*
Earn 18,000 bonus points
With your first card purchase, as long as its made within 90 days of taking out the card.
Earn an upgrade
to premium or a Companion ticket. Terms apply.
0.75 Virgin Points
for every £1 spent on everyday purchases*
1.5 Virgin Points
for every £1 spent direct with Virgin Atlantic or Virgin Holidays*
Earn 3,000 bonus points
With your first card purchase, as long as it's made within 90 days of taking out the card.
Earn an upgrade
to Premium or a Companion ticket. Terms apply
Not sure if a Virgin Atlantic card is right for you?
Take a peek at our other Virgin Money credit cards
See all cardsVirgin Points mean prizes
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Virgin Points are your ticket to good times. Use our handy calculator to see how many Virgin Points you could earn annually.
Heads up, our calculator doesn't take into account any promotional offers, so if you apply for one of our cards during an offer period, there will be even more points coming your way.
How much will you spend on your Virgin Atlantic Credit Card each month?
If you spend £650 each month, in a year you'll earn
Virgin Atlantic Reward+ Credit Card
11,700
Virgin Points
Spend £10,000 or more over 12 months to earn an additional reward. Terms apply. Link opens in a new window
Virgin Atlantic Reward Credit Card
11,700
Virgin Points
Spend £20,000 or more over 12 months to earn an additional reward. Terms apply. Link opens in a new window
Where will your Virgin Points take you?
3,000
Virgin Points
Pay less for your next great escape with a fabulous Points Plus Money discount
15,000
Virgin Points
Travel in style. Get an off-peak upgrade to Premium seats from London to New York*
20,000
Virgin Points
Take a bite of The Big Apple with off-peak Economy reward return flights from London to New York*
30,000
Virgin Points
Check out the City by the Bay with off-peak Economy reward return flights from London to San Francisco*
*Mileage varies depending on season and route. Taxes, fees and carrier-imposed surcharges apply, and will be shown at the time of booking.
Get inspired with more ways to spend your Virgin Points
Learn morePaint the town Virgin Red
You can also spend your Virgin Points with Virgin Red, the rewards club from Virgin. From caffeine kicks and cinema flicks to VIP suites and front row seats, what will you choose?
Discover Virgin Red
Ready to apply?
See if you’re eligible for a Virgin Atlantic Credit Card with our handy card checker. It only takes a few minutes to get a decision.
You’ll need the Virgin Money Credit Card app to manage your credit card and to check your Virgin Points balance.
Check eligibilityYour questions answered
Points are earned for every £1 spent on card purchases. You won’t earn points on any cash transactions, balance transfers or money transfers.
With a Virgin Atlantic Reward credit card you'll earn 0.75 points for every £1 you spend. Or, if you have chosen the Virgin Atlantic Reward+ credit card with a £160 annual fee, you'll earn 1.5 points for every £1 you spend. Every time you spend direct with Virgin Atlantic and Virgin Holidays you'll also earn double Virgin Points.
We calculate the points earned on each transaction, including points on parts of £1 spent. This total amount is then rounded up to the nearest whole point and added to your Flying Club account within 5 days of your monthly statement.
The points you can earn each month are capped based on your credit limit. For example, if your credit limit is £5,000, you'll earn points on the first £5,000 of card purchases in a month. If you spend more than that, then you won't earn points on any additional spending. We'll reset the counter every month on the date of your credit card statement. The cap doesn't apply to bonus points.
Please note, you must have provided Virgin Money with a valid Flying Club number in the name of the main account holder to earn your Virgin Points.
You can also see all the Virgin Red rewards in the ‘Rewards’ section of the Virgin Money Wallet app. Head to the 'Earn Points' tab where you'll find all the partners you can earn Virgin Points with. Each offer tells you how many Virgin Points you could earn and how quickly they'll be added to your account once you have completed the transaction.
If you have linked your Virgin Atlantic Flying Club to your Red account you will be able to also see these points in the Virgin Money Wallet app. For more information, see Virgin Red's FAQs.
Please note that Virgin Red is a separate company with separate programme terms and privacy notice.
You can choose from a huge range of rewards such as flights and upgrades with Virgin Atlantic and our airlines partner, as well as other rewards like hotel stays, spa days and so much more.
You can also spend your Virgin Points in the Virgin Money Digital Wallet app, in the Rewards tab, click the 'Spend' screen. Here you'll find all the partners you can spend Virgin Points with. It's easy to choose your reward - simply follow the instructions to complete your order. Your Virgin Points will be deducted from your balance immediately.
Please refer to each individual offer which will set out any specific terms for that particular offer.
Visit Virgin Atlantic Flying Club more information.
In the app just tap the 'More' icon and then 'Flying Club'. If you've given us your Flying Club number, you'll be able to see the points you've earned with your credit card during your last statement period.
If you can't see your points, it's usually because we don't have your Flying Club number. To update this in the app, go to the same screen (tap 'More' and then 'Flying Club') and enter your Flying Club number - it's a 10-digit number which starts with a 1. It may take a few days for this to update, so keep checking back. If there are any issues, we'll let you know.
If you can't remember your Flying Club number, enter your details on virginatlantic.com to get a reminder.
There’s a cap on the Virgin Points you can earn each month based on your credit limit.
So if your credit limit is £5,000, you’ll earn points on the first £5,000 of card purchases in a month. If you spend more than that, you won’t earn points on that bit. We’ll reset the counter every month on the date of your credit card statement.
The cap doesn't apply to bonus points.
The legal bits
Time to give your scrolly finger a workout
- Reward Credit Card Flying Club Terms and Conditions
- Reward+ Credit Card Flying Club Terms and Conditions
*The points you can earn each month are capped based on your credit limit. For example, if your credit limit is £5,000, you’ll earn points on the first £5,000 of card purchases in a month. If you spend more than that, then you won’t earn points on any additional spending.
We’ll reset the counter every month on the date of your credit card statement. The cap doesn’t apply to bonus points. You’ll earn double points when you spend directly with Virgin Atlantic and Virgin Holidays. We’ll add your points to your Flying Club account every month within 5 days of your credit card statement.
You’ll need to make your minimum payment when it’s due. If we do not receive the minimum payment when it’s due, or you go over your credit limit, we will withdraw the promotional rate with effect from the start of that statement period.
When a promotional rate ends or is withdrawn, we charge the current standard interest rate that applies to that transaction.
You will not be able to transfer a balance from another Virgin Money, Clydesdale Bank, Yorkshire Bank or B credit card and should not use your card to repay other borrowing from Clydesdale Bank plc.
Credit is available, subject to status, only to UK residents aged 18 or over.
When you apply for a credit card, we check your credit report to ensure we are lending responsibly. This check stays on your credit report. It may be used by other providers to decide whether to offer you their lending products.
The Virgin Atlantic Credit Card is issued by Clydesdale Bank plc (trading as Virgin Money). Registered in Scotland (Company No. SC001111). Registered Office: 177 Bothwell Street, Glasgow, G2 7ER. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Virgin Money adheres to the Standard of Lending Practice which are monitored and enforced by the Lending Standards Board: www.lendingstandardsboard.org.uk
Your copy of the Statement of Lender and Borrower Responsibilities
