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Questions and answers

There are two types of account available: the Virgin Atlantic White Credit Card Account and the Virgin Atlantic Black Credit Card Account.

About the card

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 is totally secure.

Or if you prefer you can apply over the phone by calling 0800 056 5576. Lines are open 8am to 9pm Monday to Friday, 9am to 9pm on Saturday and 9am to 7pm on Sunday.

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.

When you open a Virgin Atlantic Credit Card Account you’ll be sent an American Express card and a Visa card. This is to give you more opportunities to earn Flying Club miles. Each of the cards will allow you to earn Flying Club miles at different rates.

To earn your Flying Club miles faster and maximise your rewards, use your Virgin Atlantic American Express® Credit Card. In places that don’t take American Express, you can still earn Flying Club miles by using your Virgin Atlantic Visa Credit Card.

To find out more about the earning rates of all the Virgin Atlantic Credit Card Account cards, compare the accounts.

If you apply online between 8am - 8pm Monday to Thursday or 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 within 7 to 10 days. If you have any questions in the meantime, just call the customer helpline on 0800 056 7686.

You will be given one credit limit on your Virgin Atlantic Credit Card Account – the limit given is based on personal circumstances and applies to both cards.

Of course. With Online Card Services link opens in a new window 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 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.

When you're accepted for a Virgin Atlantic Credit Card Account, we'll send you a PIN. Your PIN will be the same for both your Virgin Atlantic American Express Credit Card and your Virgin Atlantic Visa Credit Card - however we will send you two separate PIN letters – one per card.

You can change your PIN at most cash machines. If you want your Virgin Atlantic American Express Credit Card and your Virgin Atlantic Visa Credit Card to have the same PIN, you will need to change both PINs separately – changing one will not automatically change the other. You can also choose a different PIN for each card if you’d prefer.

You can add up to three additional cardmembers to your account at no extra charge. One of these can be added during your application process and up to two more can be added simply by selecting the appropriate tab within Online Card Services link opens in a new window.

Any additional cardmember(s) must be 18 years old or over, 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).

Balance transfers, money transfers and card purchases

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

Remember though, the introductory balance transfer rate lasts for six months from the date your account is opened (3% handling fee), 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 Credit Card Account is issued by MBNA, you can’t transfer a balance from another credit card issued by them (including any other Virgin Credit Cards).

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

If you want to transfer money from your credit card to your bank account, you can do this by requesting a 'Money Transfer'. You can request a Money Transfer when you apply for your Virgin Atlantic Credit Card Account, or once you have received your card call 0800 056 5576.

Remember though, the introductory money transfer rate lasts for six months from the date your account is opened (3% handling fee), not from the date you request it. So if you transfer in month five, that’s only one month at the special rate.

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

Your Virgin Atlantic American Express Credit Card

You can use the card in most countries throughout the world.

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.

Your Virgin Atlantic Visa Credit Card

You can use the card in most countries throughout the world.

You can withdraw cash from any cash machine displaying the Visa sign.

For up to date information or advice on using your credit cards worldwide, please call 08000 567 686 from the UK or +44 1244 672 520 from overseas, lines are open 24 hours a day.

Contactless payments and security

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 new cards, you'll be sent a PIN – you'll receive one PIN letter for each card but the PIN will be the same for both your Virgin Atlantic American Express Credit Card and your Virgin Atlantic Visa Credit Card. You will then have the option of changing your PIN to one you find easier to remember. For more information see 'Do I get a PIN for each card?'

Contactless payments let you pay for items of up to £30 without having to key in your PIN.

It's all about making purchases on your Virgin Atlantic Credit Cards as hassle-free as possible. So when you're buying everyday things like coffee or lunch, you don't have to search around for cash. Just hold either card in front of the reader for a few seconds, and off you go.

Here's why you're better off with contactless:

  • It's fast – hold your card close to the reader, wait for the beep or the green light and you're done.
  • It's secure – you're in control because your card never leaves your hand.
  • It's handy – like having the exact cash you need, when you need it.

Contactless payments are quick and easy. Here's what you need to do:


  1. Look out for the contactless symbol at American Express or Visa accepting merchants and tell the retailer you'd like to pay with one of your contactless Virgin Atlantic Credit Cards for purchases of up to £30.
  2. Hold the card against the terminal.
  3. Wait a second or two until you see the green lights or hear a beep.
  4. Off you go – if you need a receipt, just ask the retailer for one.

Yes. Contactless payments put you in control because your card never leaves your hand. For added security you'll occasionally be asked to enter your PIN. And just like chip and PIN transactions, you won't be liable for any fraudulent contactless transactions made with either card.*

* If your card is lost or stolen or if you notice any unusual transactions on your account call 0800 056 7686 immediately.

Contactless terminals are identified by the symbol opposite. Look out for more information coming soon on where you will be able to use the contactless feature on your cards at American Express and Visa accepting merchants.

Contactless logoYou'll see this symbol on your card if it's contactless. If you've not yet used your card, you'll need to make one chip and PIN transaction before you can utilise its contactless facility.

If you do not have this symbol on your card you will not be able to make contactless payments. However, you'll be sent a new contactless-ready card the next time your card is due for renewal.

If you suspect fraud call 0800 062 062 immediately so that a stop can be placed on your account.

If there is a transaction on your statement that you don't recognise:

  • Check if any authorised additional cardholder made the transaction.
  • Check the merchant details - you do this by logging into Online Card Services select 'Statements' then choose the statement and click 'show details'
  • Some companies may charge under a different name (e.g. their parent company) - try searching the internet to identify a merchant and find their telephone number so you can contact them.

If in doubt call the fraud team on the telephone number above.

Flying Club miles

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

  • Miles every time you take a revenue flight with Virgin Atlantic
  • Miles on your Virgin Atlantic Credit Card Account 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 greater benefits.

If you want to be a member of Virgin Atlantic's travel rewards programme, you can join Flying Club link opens in a new window. You don't need to be a member of Flying Club to apply for a Virgin Atlantic Credit Card Account - but by joining Flying Club you’ll be able to get all the benefits that the account offers. Once you’ve applied for your Virgin Atlantic Credit Card Account, call 0800 056 5576 to give your Flying Club membership number. Then you can start earning Flying Club miles.

Miles are earned for each whole £1 spent on each card purchase.

With a Virgin Atlantic White Credit Card Account you'll earn either 1 mile for every full £1 you spend on your American Express card or 1 mile for every £2 spent on your Visa card. Or, if you have chosen the Virgin Atlantic Black Credit Card Account with a £140 annual fee, you'll earn 2 miles for every full £1 you spend on your American Express card and 1 mile for every £1 spent on your Visa card.

Every time you spend direct with Virgin Atlantic and Virgin Holidays you'll also earn double Flying Club miles.

Double miles are earned on bookings made direct with Virgin Atlantic either online or by telephone, and with Virgin Holidays by telephone only. This does not include purchases made through Virgin Flightstore or Virgin Holidays in-store concessions.

Please note, you must have provided a valid Flying Club membership 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 account 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 0344 41 22 414 or log on to www.virginatlantic.com/flyingclub link opens in a new window for more information.

Calls to this number from UK landlines are typically charged up to 9p per minute; calls from mobiles typically cost between 8p and 40p per minute. Calls from landlines and mobiles are included in free call packages

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

Spend over £10,000 on the Virgin Atlantic White American Express® Credit Card* or £5,000 on the Virgin Atlantic Black American Express® Credit 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 Credit Card Account card holder(s)), you can do it again. You can do this up to twice a year, every year.

Full terms and conditions.

*Spend on the Virgin Atlantic Visa Credit Cards is not included.

If in a year you spend more than the minimum amount on your Virgin Atlantic American Express Credit Card* (£15,000 if you’ve got the Virgin Atlantic White Card Account, £7,500 if you’ve got the Virgin Atlantic Black Card Account) you'll get a complimentary companion reward flight the next time you book a full fare 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 advances).

You can have one complimentary companion reward flight each year, if you’ve spent enough and booked a qualifying full fare flight with Virgin Atlantic – 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.

Join Virgin Atlantic's Flying Club

Companion flight terms and conditions

*Spend on the Virgin Atlantic Visa Credit Cards is not included.

Interest and charges

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

The APR mentioned 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 your new account during the 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.

You can use the card in most countries throughout the world.

But don’t forget, if you buy something with your Virgin Atlantic Credit Card Account whilst abroad there’s a non-sterling transaction fee of 2.99%. And if you need some emergency cash, remember to factor in the normal cash advance fee of 5%, min £3.

If you need to get in touch while you're abroad just call +44 1244 673 101. Call the operator and ask to reverse the charges.

For more information on using your credit card abroad or withdrawing cash, you can call free on 08000 567 686 from the UK or +44 1244 672 520 from overseas. Please call before using your card abroad otherwise our account monitoring systems might decline your transactions. Please note the merchant may still need to call to authorise a transaction.

If you do not pay your balance in full your payments are used to reduce higher rate balances before lower rate balances.

If any transaction types have the same interest rate then the introductory rate will be repaid before the standard rate.

If two or more introductory rates have the same interest rate then the one with the earliest start date will be repaid first; if the start dates are the same then the highest standard rate will be repaid first.

Each month you will have to pay at least the minimum repayment which is worked out as follows:

  • The balance on your statement if it is £25 or less; or
  • The greater of £25 or 1% of the balance on your statement before any default charges, card fees and interest (to which an amount equal to the default charges, card fees and interest will be added); plus the amount of any arrears, which are repayable immediately.

If a balance of £1.00 or less is left after your minimum payment has been worked out this will also be included in your minimum payment amount. If you receive a refund or credit to your account after your statement date, you must still pay at least the minimum payment asked for. Your statement will show the amount you have to pay, the date by which you must make the payment and how you can pay. Only making the minimum repayment every month will cost you more and extend the time it takes to repay the credit.

You have a right to withdraw from the agreement within 14 calendar days starting the day after you have been informed of your initial credit limit or you receive a copy of the executed agreement, whichever is later.

If you want to do this please write to:

MBNA Limited,
Chester Business Park,
Wrexham Road,
Chester,
CH4 9WW

or by calling 0800 062 062.

If you withdraw after you have made transactions, you must pay these back, together with interest, within 30 days. You will be informed of the amount of interest payable per day if you ask. Ways to pay include by phone, internet payment, at a bank or by post. You need to be sure that this is the right credit card for you, so if you have any questions, or would like any further information or explanation, please contact 0800 056 5576

Switching cards

Representative example

  • Purchase rate
    22.9% p.a.
    (variable) on card purchases
  • Equivalent to
    22.9%APR
    representative (variable)
  • Based on a credit limit of
    £1,200
Credit limits will vary based on your individual circumstances

Apply (White account)
 

Representative example

  • Purchase rate:
    22.9% p.a.
    (variable) on card purchases
  • Equivalent to:
    57.4%APR
    representative (variable)
  • Based on a credit limit of:
    £1,200
  • Annual fee of
    £140
    is payable
Credit limits will vary based on your individual circumstances

Apply (Black account)
 

Virgin Money plc is a credit broker/intermediary for Virgin Atlantic Credit Cards. MBNA Limited is the lender.

† Bonus miles (3,000 for the White Account and 18,500 for the Black Account) will be credited to your Flying Club account after your first purchase on either card, providing you use either within 90 days of your account opening and supply your Flying Club number. Please allow six to eight weeks for bonus miles to be added to your account. Bonus miles are not awarded on balance transfers, money transfers or cash advances.

Promotional offers will no longer apply from the beginning of any statement period during which you have breached your terms and conditions, for example if you haven’t paid on time or have gone over your credit limit. You cannot transfer balances between MBNA accounts.

The Virgin Atlantic Credit Cards are issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England and Wales under company number 02783251. Authorised and regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services. American Express® is a registered trademark of the American Express company. MBNA Limited issue the MBNA American Express® Credit Card pursuant to a licence from American Express. Credit is available, subject to status, only to UK residents aged 18 or over. Calls and online sessions (e.g. completing an application) may be monitored and/or recorded for quality evaluation, training purposes and to ensure compliance with laws and regulations.

Virgin Money plc is a credit broker/intermediary for Virgin Atlantic Credit Cards issued by MBNA Limited. Virgin Money plc is registered in England and Wales (Company No. 6952311). Registered office: Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL. Virgin Money plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. In the UK, Virgin Atlantic only offer credit cards provided by MBNA Limited.

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