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Why choose a Virgin Atlantic Credit Card?

Turn your money into points
Clock up Virgin Points every time you spend on your card. Restrictions apply*.

Double up, up and away
Notch up double points by spending with Virgin Atlantic and Virgin Holidays. Restrictions apply*.

Boost your Virgin Points
Make a purchase within 90 days to bag bonus points. Brilliant.

Tempting treats
Earn an upgrade to Premium or a Companion ticket. Terms apply.

Check your eligibility

Our checker is a quick way to see your chances of being accepted for a card, and it won't affect your credit rating.

Check eligibility

Choose the account that's right for you

Virgin Atlantic Reward Credit Card

Earn Virgin Points every day

0.75 Virgin Points for every £1 you spend on everyday card purchases. And 1.5 points for every £1 you spend with Virgin Atlantic or Virgin Holidays. Restrictions apply*.

Choose from an upgrade to Premium or a Companion ticket when you spend £20,000 in a year. Terms apply  Link opens in a new window

0% for 6 months on balance and money transfers (you'll pay a 3% fee).

No annual fee.

Representative example
Purchase rateThe 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. 22.9% p.a. (variable) on card purchases
Equivalent toAPR 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. 22.9% APR representative (variable)
Based on borrowing £1,200

Credit limits will vary based on your individual circumstances.


Earn 15,000 bonus points with your first card purchase – just make it within 90 days of opening your account.

1.5 Virgin Points for every £1 you spend on everyday card purchases. And 3 points for every £1 you spend with Virgin Atlantic or Virgin Holidays. Restrictions apply*.

Choose from an upgrade to Premium or a Companion ticket when you spend £10,000 in a year. Terms apply  Link opens in a new window

0% for 6 months on balance and money transfers (you'll pay a 3% fee).

Annual fee of £160.

Representative example
Purchase rateThe 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. 22.9% p.a. (variable) on card purchases
Equivalent toAPR 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. 63.9% APR representative (variable)
Based on borrowing £1,200

Credit limits will vary based on your individual circumstances.

How many points will your credit card get you?

Tell us how much you expect to spend each month on your credit card

What type of spend should I include?
  • Entertainment & going out
  • Supermarket & fuel
  • Household bills
  • Shopping
  • Travel
  • Any everyday spending

If you spend £650 a month (£7,800 a year) you will earn...

5,850

Virgin Points per year with the Virgin Atlantic Reward Credit Card

(No annual fee.)

5,850

Virgin Points per year with the Virgin Atlantic Reward+ Credit Card

(£160 annual fee)

Don't forget you can earn double the points when you spend with your Virgin Atlantic Credit Card direct with Virgin Atlantic and Virgin Holidays. Restrictions apply.*

Where could your points take you?

Here's an idea of some of the things you can use your Virgin Points on:

3,000
Virgin Points

Pay less for your next great escape with a Points Plus Money discount

From 17,400
Virgin Points

Arrive in style. Book a round trip Economy to Premium upgrade to New York

From 20,000
Virgin Points

Do it all in New York with an Economy round trip reward flight

From 25,000
Virgin Points

Escape to Asia with an Economy round trip reward flight to Hong Kong

More ideas on how to use your points

Mileage varies depending on season and route. Taxes, fees and carrier-imposed surcharges apply.

Virgin Points terms & conditions Link opens in a new window

Ready to apply?

Choose your card and apply online for an instant decision

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Frequently asked questions

View all questions and answers

* 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.

If we do not receive the minimum payment when it is 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.

Calls are charged at your service provider's prevailing rate and may be monitored and recorded.

The Virgin Atlantic Credit Card is issued by Clydesdale Bank PLC (trading as Virgin Money). Registered in Scotland (Company No. SC001111). Registered Office: 30 St Vincent Place, Glasgow, G1 2HL. 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 but the Lending Standards Board: www.lendingstandardsboard.org.uk  Link opens in a new window

Your copy of the Statement of Lender and Borrower Responsibilities  Link opens in a new window