Virgin Atlantic Credit Cards | Credit Cards

Why choose a Virgin Atlantic Credit Card?

Turn your money into miles - clock up Flying Club miles every time you spend on your card.

Boost your Flying Club miles – make a purchase within 90 days to bag bonus miles. Brilliant.

Double up, up and away – notch up double miles by spending with Virgin Atlantic and Virgin Holidays*

Tempting treats - earn an upgrade to Premium or a Companion ticket. Terms apply Link opens in a new window

Use Card Checker to see if you’ll be accepted for a card

Our checker is a quick way to see your chances of being accepted for a Virgin Atlantic Credit Card, and it won’t show on your credit file so it won’t affect your rating.

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Choose the account that's right for you

Virgin Atlantic Reward Credit Card

Earn Flying Club miles every day

Earn 5,000 bonus miles with your first card purchase – just make it within 90 days of opening your account.

0.75 Flying Club miles for every £1 you spend on everyday card purchases. And 1.5 miles for every £1 you spend with Virgin Atlantic or Virgin Holidays*

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 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.

Check your eligibility

Apply for a Reward Credit Card

Virgin Atlantic Reward+ Credit Card

Earn Flying Club miles faster

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

1.5 Flying Club miles for every £1 you spend on everyday card purchases. And 3 miles for every £1 you spend with Virgin Atlantic or Virgin Holidays*

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 rate

22.9% p.a.

(variable) on card purchases

Equivalent to

63.9% APR

representative (variable)

Based on a credit limit of

£1,200

Annual fee

£160

Credit limits will vary based on your individual circumstances.

Check your eligibility

Apply for a Reward+ Credit Card

How many miles 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?click to expand

Entertainment & going out
Supermarket & fuel
Household bills
Shopping
Travel
Any everyday spending

I'll Spend a month

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

5,850

Flying Club miles per year with the Virgin Atlantic Reward Credit Card

(No annual fee.)

5,850

Flying Club miles per year with the Virgin Atlantic Reward+ Credit Card

(£160 annual fee)

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

Where could your miles take you?

Here's an idea of some of the things you can use your Flying Club miles on:

If you earn up to 25,000 miles

3,000
Flying Club miles

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

From 17,400
Flying Club miles

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

From 20,000
Flying Club miles

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

From 25,000
Flying Club miles

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

If you earn up to 50,000 miles

From 30,000
Flying Club miles

Jet off to Los Angeles with an Economy round trip flight^†

From 35,000
Flying Club miles

The Big Apple, but better. Book a round trip Premium flight to New York^†

From 37,400
Flying Club miles

Discover Dubai with a Premium to Upper Class upgrade^†

From 45,000
Flying Club miles

A round trip Premium flight makes Mexico even more magical^†

If you earn up to 100,000 miles

From 55,000
Flying Club miles

Hang with the high rollers. Book a round trip Premium flight to Las Vegas^†

From 71,200
Flying Club miles

Arrive refreshed. Indulge in a round trip Economy to Upper Class upgrade to New York^†

From 75,000
Flying Club miles

Arrive in style. Book a round trip Upper Class flight to Delhi^†

From 95,000
Flying Club miles

Make the most of dynamic Miami with your round trip Upper Class flight^†

More ideas on how to use your miles

^†Mileage varies depending on season and route. Taxes, fees and carrier-imposed surcharges apply. Flying Club miles terms & conditions Link opens in a new window

Ready to apply?

Choose your card

and apply online for an instant decision

Our most frequently asked questions

Will I be approved for a Virgin Atlantic Credit Card?

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.

How do I apply?

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, then call us on 0800 876 6656. We are here from 8am to 8pm, Monday to Friday and 8:30am to 5pm on Saturdays.

What information do I need before applying?

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

What will my credit limit be?

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.

What is Flying Club?

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

Miles earned every time you take a revenue flight with Virgin Atlantic.
Miles earned every time you make a purchase with your Virgin Atlantic Credit Card.
A fantastic range of rewards to spend your miles 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.

How do I join Flying Club?

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.

How do I earn Flying Club miles with my card?

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

With a Virgin Atlantic Reward Credit Card you'll earn 0.75 miles 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 miles 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 Flying Club miles. Spend in Virgin Holidays retail stores does not qualify for double miles.

We calculate the miles earned on each transaction, including miles on parts of £1 spent. This total amount is then rounded up to the nearest whole mile 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 Flying Club miles.

How do I spend my Flying Club miles?

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? Read more questions and answers Link opens in a new window

* You'll earn double miles when you spend directly with Virgin Atlantic and Virgin Holidays via their Contact Centres and online only. Spend in Virgin Holidays retail stores or third party travel agents does not qualify to receive double miles.

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 credit card issued by Virgin Money and should not use your card to repay other borrowing from Virgin Money.

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 Virgin Money plc - 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 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

Buy fabulous, fly fabulous

Why choose a Virgin Atlantic Credit Card?

Use Card Checker to see if you’ll be accepted for a card

Choose the account that's right for you

Virgin Atlantic Reward Credit Card

Representative example

Virgin Atlantic Reward+ Credit Card

Representative example

How many miles will your credit card get you?

Where could your miles take you?

If you earn up to 25,000 miles

If you earn up to 50,000 miles

If you earn up to 100,000 miles

Ready to apply?

Our most frequently asked questions