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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

Choose card

Frequently asked questions

If you decide to complete an application we'll carry out a full credit check and confirm whether you've been approved. In some circumstances, we may need some additional information and we'll let you know if this is the case. When making our decision, we'll take into account your age, status and financial background. Before you apply, check the following statements are true:

  • I am aged 18 years or over (the same goes for any additional cardholders).
  • I am a UK resident.
  • I have a UK bank or building society account.
  • I have good credit history.
  • I have an income of at least £7,000, or my household income is at least £15,000.
  • I am not an existing Virgin Atlantic Credit Card customer and I have not closed another Virgin Atlantic credit card in the last 6 months.

You won't be approved if you are bankrupt or in an IVA, and it is unlikely that you'll be approved if you have CCJs or defaults and if you have no credit history. If you are unsure of your credit history, then please contact Experian for a copy of your credit file.

Once you have chosen a Virgin Atlantic Credit Card that suits your needs, click apply and you will be taken to our safe and secure online application.

If you have any queries with your online application, please contact us.

Throughout our online application we will ask you for your personal information, we also ask you have to hand your:

  • Bank or building society account number and sort code.
  • Details of any accounts you want to make a balance transfer from. Don’t worry if you don’t have them handy. You can transfer a balance after your account is opened – though not from another credit card issued by Virgin Money.
  • Your Flying Club number. If you haven’t had the chance to register for a Flying Club account don’t worry, you don't need to join now, you can register anytime at virginatlantic.com/flyingclub  Link opens in a new window

We cannot confirm your credit limit until you have completed an application for a Virgin Atlantic Credit Card. Once you have been approved you will be given your credit limit and this is based on your personal circumstances.

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

  • Points earned every time you take a revenue flight with Virgin Atlantic.
  • Points earned every time you make a purchase with your Virgin Atlantic Credit Card.
  • A fantastic range of rewards to spend your points on including flights, upgrades and so much more.
  • Partners from around the globe to earn and spend with.
  • Earning tier points every time you fly. The more you fly, the more tier points you’ll earn, and the more rewarding it becomes as you soar up through the tiers.

That’s easy. Join Flying Club  Link opens in a new window

You don't need to join Flying Club to apply for a Virgin Atlantic Credit Card, but you will get more out of your credit card and enjoy more benefits if you do.

Points are earned for every £1 spent on card purchases. You won’t earn points on any cash transactions, balance transfers or money transfers.

With a Virgin Atlantic Reward Credit Card you'll earn 0.75 points for every £1 you spend. Or, if you have chosen the Virgin Atlantic Reward+ Credit Card with a £160 annual fee, you'll earn 1.5 points for every £1 you spend.

Every time you spend direct with Virgin Atlantic and Virgin Holidays either over the telephone or online you'll also earn double Virgin Points. Spend in Virgin Holidays retail stores does not qualify for double points.

We calculate the points earned on each transaction, including points on parts of £1 spent. This total amount is then rounded up to the nearest whole point and added to your Flying Club account within 5 days of your monthly statement.

Please note, you must have provided Virgin Money with a valid Flying Club number in the name of the main account holder to earn your Virgin Points.

You can choose from a huge range of rewards such as flights and upgrades with Virgin Atlantic and our airlines partner, as well as other rewards like hotel stays, spa days and so much more.

Visit Virgin Atlantic Flying Club  Link opens in a new window for more information.

Haven’t found the answer to your question?

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