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Card highlights

Earn on everyday spending

1.5 Virgin Points

for every £1 spent on everyday purchases*

Earn double points

3 Virgin Points

for every £1 spent direct with Virgin Atlantic or Virgin Holidays*

Balance transfer rate 0% for 6 months

then 26.9% p.a. (variable). 3.00% fee

Money transfer rate 0% for 6 months

then 26.9% p.a. (variable). 3.00% fee

Representative example

Purchase rate The purchase rate is the interest rate we will charge on any purchases you make with your Virgin Money Credit Card. When you open your account you may be offered a purchase rate. After that, we'll increase it to the rate shown here. 26.9% p.a. (variable) on card purchases
Equivalent to APR stands for Annual Percentage Rate. It is made up of the standard interest rate on purchases, outside of any promotional rate, along with any other charges you may have to pay. You can use this rate to compare different credit cards. 69.7% APR representative (variable)
Based on borrowing £1,200 UK lenders use £1,200 to make comparing cards easier. It doesn't reflect the credit limit we'd offer you.
Annual fee £160

*The points you can earn each month are capped based on your credit limit. 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.

All promotional rates start from the date your account is opened and apply to transfers made in the first 60 days. 5% handling fee will apply to any balance and money transfers made after the first 60 days. If we do not receive the minimum payment when it is due we will withdraw the promotional rate with effect from the start of that statement period.

A quick check

To be accepted for a Virgin Atlantic Credit Card, you’ll need to meet the following criteria:

  • You’re a UK resident aged 18 or over (the same goes for any additional cardholders you want to add)
  • You have a UK bank or building society account
  • You have a good credit history, with no missed payments or County Court Judgments on your credit file
  • You have an income of at least £7,000 per annum, or a household income of at least £15,000 per annum
  • You don’t already have a Virgin Atlantic Reward+ Credit Card or have closed one in the last 6 months. If you have - don’t worry, you can apply for our Reward card instead

Check your eligibility

Before you apply, use our card checker

  • it only takes a few minutes
  • you'll see your guaranteed credit limit on pre-approved cards
  • it won't affect your credit score

To manage your card, you'll need the Virgin Money Credit Card app.

Award-winning

Voted best credit card provider at the YourMoney.com Personal Finance Awards 2025.

Best Credit Card provider 2025