Account benefits

With two cards, the Virgin Atlantic Credit Card Account gives you lots of opportunities to earn Flying Club miles which you can spend on rewards like flights and upgrades.

There are two types of account available: the Virgin Atlantic White Credit Card Account (representative 17.9%APR variable) and the Virgin Atlantic Black Credit Card Account (representative 52.0%APR variable).

Both accounts include the Virgin Atlantic American Express® Credit Card from MBNA and the Virgin Atlantic Visa Credit Card. And whichever account you choose, it’s easy to manage – with one statement and one PIN.

With both accounts you get all the following benefits:

To find out more about the differences, just compare the accounts.

Account benefits

Flying Club miles – earn more rewards faster

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Virgin Atlantic White Credit Card Account:
We'll give you 3,000 bonus Flying Club miles when you make your first card purchase on either card within 90 days of opening your account . You'll also earn 1 mile for every full £1 you spend with your American Express® Credit Card from MBNA and 1 mile for every £2 you spend using your Visa Credit Card.

Plus you’ll earn double miles when you spend direct with Virgin Atlantic and Virgin Holidays††.

Representative 17.9%APR (variable)


VAA Companion Card Small Black

Virgin Atlantic Black Credit Card Account:
We'll give you 18,500 bonus Flying Club miles when you make your first card purchase on either card within 90 days of opening your account . You'll also earn 2 miles for every full £1 you spend with your American Express® Credit Card from MBNA and 1 mile for every £1 you spend using your Visa Credit Card.

Plus you’ll earn double miles when you spend direct with Virgin Atlantic and Virgin Holidays††.

Representative 52.0%APR (variable)

Click here for terms and conditions about earning miles

Account benefits

Complimentary companion reward flights

VAA Companion Card Small White

Virgin Atlantic White Credit Card Account:
Spend over £15,000 on card purchases on your Virgin Atlantic American Express® Credit Card from MBNA in a year to receive a complimentary companion reward ticket when you purchase a qualifying full fare flight with Virgin Atlantic (just pay the taxes and charges).*

Representative 17.9%APR (variable)


VAA Companion Card Small Black

Virgin Atlantic Black Credit Card Account:
Spend over £7,500 on card purchases on your Virgin Atlantic American Express® Credit Card from MBNA in a year to receive a complimentary companion reward ticket when you purchase a qualifying full fare flight with Virgin Atlantic (just pay the taxes and charges).*

Representative 52.0%APR (variable)


Complimentary companion reward flights can only be booked with full-priced, qualifying Virgin Atlantic flights and are subject to availability. There may be no availability for particular routes or for particular travel dates.

Click here for companion flight terms and conditions

Note: A year is defined as the 12 month period starting from the date your Virgin Atlantic Credit Card Account was opened.

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

Account benefits

Premium Economy reward upgrades

VAA Companion Card Small White

Virgin Atlantic White Credit Card Account:
Spend £10,000 on card purchases on your Virgin Atlantic American Express® Credit Card from MBNA in a year to receive a Premium Economy reward upgrade when you redeem your miles on an Economy booking.*

Representative 17.9%APR (variable)


VAA Companion Card Small Black

Virgin Atlantic Black Credit Card Account:
Spend £5,000 on card purchases on your Virgin Atlantic American Express® Credit Card from MBNA in a year to receive a Premium Economy reward upgrade when you redeem your miles on an Economy booking.*

Representative 52.0%APR (variable)


When you’ve spent the same amount again, you'll be eligible for another Premium Economy reward upgrade when you redeem your miles on an Economy booking. You can do this up to twice a year, every year.

Click here for Premium Economy reward upgrade terms and conditions

Note: A year is defined as the 12 month period starting from the date your Virgin Atlantic Credit Card Account was opened.

*Spend on the Virgin Atlantic Visa Credit Card doesn't count towards upgrades.

Account benefits

Exclusive shopping, dining and travel offers

As a Virgin Atlantic Credit Card Account holder and Flying Club member, you can enjoy boosting your mileage with Virgin Atlantic’s Flying Club partners – from hotel chains such as Hilton and Marriott, to holiday car hire with Avis or leaving your car with Purple Parking.

Whether you choose the Virgin Atlantic White Credit Card Account (representative 17.9%APR variable) or the Virgin Atlantic Black Credit Card Account (representative 52.0%APR variable), when you pay using your Virgin Atlantic Credit card, you’ll earn extra miles on every pound you spend, helping you reach your dream reward faster.

You’ll also have access to a superb range of offers through American Express Selects, when you use your Virgin Atlantic American Express® Credit Card from MBNA to pay. Click here for full details.

Join Virgin Atlantic's Flying Club

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The Virgin Atlantic Credit Card accounts are issued by MBNA Limited.

† 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 card within 90 days of your account opening and supply your Flying Club membership 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.

†† 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.

Promotional rates 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, online and/or Smartphone 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 Atlantic Airways Limited is an introducer appointed representative of Virgin Money Personal Financial Service Limited, Registered Office: Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL. Registered in England number 3072766. Virgin Atlantic Airways Ltd trading as Virgin Atlantic is acting as a credit intermediary. Virgin Atlantic Airways Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Company Secretariat, The Office, Manor Royal, Crawley, West Sussex RH10 9NU. Registered in England number 1600117. Interim permission number 514105. In the UK, Virgin Atlantic only offer credit cards provided by MBNA Limited.

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