Virgin Atlantic American Express Credit Card from MBNA - Earn Flying Club miles every time you use the card to pay

If you can answer YES to the following questions, you're eligible to apply:

• Are you aged 18 or over?
• Are you a UK resident?
• Do you have a bank or building society account?

You can apply on this website. It’s easy, only takes a few minutes, and is totally secure.

If you prefer you can apply over the phone by calling 0800 056 5576. Lines are open 24/7.

You will need:

• Your bank sort code and account number
• Your employment and salary details
• Your address history for the last 3 years
• Details of any current borrowings, loans, credit cards and overdrafts

That’s certainly the aim. However, we take our responsibilities as a lender seriously so we do have to take into account your age, status and financial background.

If you apply online between 8am - 8pm Monday to Thursday, 8am - 5pm on Friday you could get an instant decision. Otherwise, and also if your application is referred for review, you can expect to hear from us within 7 - 10 days. If you have any questions in the meantime, just contact our customer helpline on 0800 056 7686.

The limit given is based on personal circumstances. If you’ve got a high salary and low debts, you’re more likely to get a higher credit limit.

Sure thing. With Online Banking you can:

• Pay your bill
• View your PIN
• View your account details, including balance, available credit, recent payments and transactions
• Transfer a balance and pay other bills
• Request a credit limit increase, request a new PIN, view your statement and more!

Alternatively you can call MBNA on 0800 056 7686. The card service team work 24/7 all year round, so there’ll be someone available even if you lose your card and call them on Christmas Day.

With the Virgin Atlantic American Express® Credit Card from MBNA you can add up to 3 additional Cardmembers to your account at no extra charge. 1 of these can be added during your application process and up to 2 more can be added simply by selecting the appropriate tab within Online Banking

Any additional Cardmember(s) must reside at the same primary address, and have a relationship of close family member (defined as: spouse, parent, sibling or domestic partner). The main Cardmember is responsible for any transactions made by any additional Cardmember(s).

If you are unable to work due to accident, sickness or unemployment, LifestyleProtect could pay your minimum monthly credit card repayment (based on your claim event date balance) until you return to work. LifestyleProtect also covers you for a variety of Lifestyle Events and could pay your minimum monthly credit card repayment for 3 months. Full details are contained within the policy summary.

LifestyleProtect costs 79p per £100 of your statement balance (including your insurance premium). You can easily add LifestyleProtect to your account whilst you are completing your application.

Transferring a balance is easy and only takes a few minutes to set up online or by calling us on 0800 854 767.

Remember though, the introductory balance transfer rate lasts for six months from the date your account is opened (2% handling fee applies), not from the date you transfer your balance. So if you transfer in month five, that’s only one month at the special rate. It pays to transfer balances as soon as your account is up and running.

Also, as the Virgin Atlantic American Express^® Credit Card is issued by MBNA, you can’t transfer a balance from another credit card issued by them (including any other Virgin Credit Cards).

You can transfer money from your credit card straight into your current account (2% handling fee applies). This money could then be used for large purchases such as a new car or home improvements where payment with a credit card may not be possible.

Please note, you will not earn Flying Club miles for money transfers.

You can use your Virgin Atlantic Credit Card wherever you see the American Express^® logo.

You can withdraw cash from all LINK cash machines, including Halifax, Lloyds TSB, Barclays, HSBC and Bank of Scotland.

Please note, you can only withdraw money from cash machines, not over the counter.

For up to date information or advice on using your credit card worldwide or to withdraw cash, please call our customer helpline, available 24 hours a day on Freephone 0800 056 7686.

Flying Club is Virgin Atlantic's loyalty programme where you'll enjoy:

• Miles every time you take a revenue flight with us
• Miles on your Virgin Atlantic Credit Card spend
• A fantastic range of rewards to spend your miles on
• Partners from around the globe to earn and spend with
• The ability to move up through the membership tiers for great benefits

If you're interested in Virgin Atlantic's loyalty programme, simply join Flying Club as part of your Virgin Atlantic Credit Card application.

Miles are earned for each whole pound spent on each card purchase.

You'll earn either 1 mile for every full £1 you spend on your ‘White Card’, or if you have chosen the ‘Black Card’ with a £115 annual fee, you'll earn 2 miles for every full £1 spent on each card purchase.

Every time you buy from Virgin Atlantic or Virgin Holidays, you’ll earn double miles for each full £1 spent. So if you’ve got the no-fee card, you’ll get 2 miles, and if you’ve got the fee card you’ll get 4 miles.

Please note, you must have provided MBNA with a valid Flying Club number in the name of the main account holder at the time your monthly statement is generated to earn your Flying Club miles.

Every month your credit card statement will show you the number of miles you have earned in that month. These will then be automatically credited to your Flying Club account.

To spend them, call the Flying Club helpline on 08701 61 60 59 or log on to www.virginatlantic.com/flyingclub for more information.

Please note, you must have provided MBNA with a valid Flying Club number in the name of the main account holder at the time your monthly statement is generated to earn your Flying Club miles.

You can spend them in the same way you spend Flying Club miles you earn elsewhere, by choosing from a huge variety of rewards on offer from Virgin Atlantic, including flights with Virgin Atlantic and partner airlines, spa days etc.

Visit www.virginatlantic.com/flyingclub for more information.

Spend £10,000 on the White Card or £5,000 on the Black Card in a year to receive a Premium Economy reward upgrade on an Economy redemption booking.

When you’ve spent your next £10,000 (£5,000 for Virgin Atlantic Black Card holders), you can do it again. You can do this up to twice a year, every year.

If in a year you spend more than the minimum amount (£15,000 if you’ve got the Virgin Atlantic White Card, £7,500 if you’ve got the Virgin Atlantic Black Card) you'll get a complimentary companion reward flight the next time you book a qualifying flight with Virgin Atlantic.

A year means 12 months from the date your account is opened.

Please note, the minimum spend amount needs to be on card purchases (that doesn't include balance or money transfers, cheque payments or cash transactions).

You can have one complimentary companion reward flight each year, if you’ve spent enough - but remember, if you haven't given us a valid Flying Club number for an account in your name you won't be able to claim your flight.

Click here to join Virgin Atlantic's Flying Club

You’ll find detailed information about our charges and interest rates in the summary box of your Virgin Atlantic Credit Card before you apply.

The APR we mention stands for Annual Percentage Rate - basically the amount of interest you’ll be charged on card purchases over a year.

You’ll be charged a special balance transfer rate on any balance you transfer to us during your promotional period, until your promotional period expires*. After that, you’ll be charged the standard balance transfer rate on any of the balance still outstanding.

The same applies for any purchases made on your Virgin Atlantic Credit Card. Purchases made during the promotional period will be charged at the special promotional purchase rate until the promotional period ends. Then the standard rate will be charged to any purchases still to be paid off*.

*Your repayments will be allocated to balances at the highest rates first. If you have balances attracting the same promotional rate, we will allocate your repayments to the balance with the earliest start date - and if the start dates are the same, repayments will come from the one with the highest standard rate.

Please note, this applies whether or not lower interest rate transactions have appeared on your statement yet.

If you don't pay off your balance in full, your repayments will be allocated to balances at the highest rates first. If you have balances attracting the same promotional rate, we will allocate your repayments to the balance with the earliest start date - and if the start dates are the same, repayments will come from the one with the highest standard rate.

Please note, this applies whether or not lower interest rate transactions have appeared on your statement yet.

Yes - every card comes with chip and PIN built in, giving you the most up-to-date protection against card crime.

Having a PIN makes it harder for anyone else to use your card if it gets stolen or lost.

When you get your card, your PIN will follow in a different envelope. You will then have the option of changing your PIN to one you find easier to remember.

Yes, you can change your PIN at any time to a number you find easier to remember. This can be done at most cash machines.

Just follow the on-screen instructions, but remember not to choose anything obvious like 1 2 3 4 or your date of birth.

If later on you wish you had the other card, simply apply for it. You can keep your other Virgin Atlantic Credit Card as well, or close it by paying off the balance in full.