Switch your Virgin Atlantic Credit Card
Your card. Your choice.
Key things to know about switching to Reward
If you choose to switch to a Virgin Atlantic Reward card:
- You'll earn Virgin Points at a lower rate.
- There is no annual fee.
- You'll continue to use your existing plastic credit card. Your 16 digit card number, balance and credit limit will stay the same.
- Your interest rates may change. You can see your current interest rates on your statement.
More information on the interest rates and costs that will apply when you switch is available in the Reward Summary Box.
Representative example
If you borrow £1,200 at a purchase rate of 26.9% (variable) a year, your representative APR is 26.9% APR (variable).
Compare cards
 Reward+ card |  Reward card | |
|---|---|---|
| Virgin Points per £1 spent | 1.5 | 0.75 |
| Virgin Points per £1 spent direct with Virgin Atlantic or Virgin Holidays | 3 | 1.5 |
| Annual spend needed to earn a reward voucher | £10,000 | £20,000 |
| Average monthly spend needed to earn a reward voucher | £840 | £1,670 |
| Annual fee | £160 | £0 |
| Representative APR (variable) | 69.7%* | 26.9% |
* This is higher than the Reward card APR as it includes the annual fee
Is switching right for me?
Before you switch, please review the differences between each card. It's important to ensure it's the right decision for you.
Our handy points calculator shows you how many Virgin Points you could earn per year with each card.
The Rewards Lounge section of the app shows your progress towards a reward voucher. You'll see your total Virgin Points if you have linked your Flying Club and Virgin Red accounts.
Consider your spending habits. If you’re spending around £1,670 a month in each anniversary year, you could earn a reward voucher with the Reward card. This card doesn’t have an annual fee, but you’ll earn less Virgin Points on your spending so it depends what’s most important to you.
You also have the option to apply for a new card rather than switching. Take a peek at our other Virgin Money credit cards:
Your questions answered
You can switch to a Reward card if you:
- Have a Virgin Atlantic Reward+ Credit Card (you cannot switch to the card type you already have).
- Are the primary cardholder.
- Are a member of Virgin Atlantic's Flying Club and have linked your Flying Club account.
- Have not already switched twice in your anniversary year. Your anniversary year is the year running from when you first opened your Virgin Atlantic Credit Card. You can see your anniversary date in the Rewards Lounge section of the app.
The annual fee is not refunded if you switch from a Reward+ to a Reward card.
The only exception is if you have not used your Reward+ card at all in the year you switch. If so, the full annual fee is refunded.
When you switch to a Reward card:
- You'll earn Virgin Points at the lower rate from your switch completion date.
- The lower earn rate applies to pending transactions made before the switch date.
- Any Virgin Points earned before you switch will not change.
The amount you need to spend to earn a reward voucher changes from the date you switch.
With a Reward card, if you spend £20,000 or more on card purchases over 12 months, you’ll earn a reward voucher.
You can only earn one reward voucher every 12 months. Switching cards does not allow you to earn two reward vouchers.
We don't make any changes to welcome bonus points unless you've switched within the first 90 days of your account opening.
If you switch from Reward+ to Reward during this time you will be eligible to earn the lower welcome points bonus, as though you opened the Reward card. If you have already earned the higher welcome bonus points with Reward+, you'll be able to keep them. However, you won’t be entitled to any additional promotional offers when switching.
You need to have made a purchase with your card to be entitled to any welcome points bonus.
Switching cards does not allow you to earn two sets of bonus points.
Key things to know about switching to Reward+
If you choose to switch to a Virgin Atlantic Reward+ card:
- You'll earn Virgin Points at a higher rate.
- There is a £160 annual fee.
- All Virgin Points earned on card purchases made with your Reward card will be doubled. The increase in points to the Reward+ rate applies to any points earned from the start of your anniversary year.
- You'll continue to use your existing plastic credit card. Your 16 digit card number, balance and credit limit will stay the same.
- Your interest rates may change. You can see your current interest rates on your statement.
More information on the interest rates and costs that will apply when you switch is available in the Reward+ Summary Box.
Representative example
If you borrow £1,200 at a purchase rate of 26.9% (variable) a year with a £160 annual fee, your representative APR is 69.7% APR (variable).
Compare cards
| Representative APR (variable) | 26.9% | 69.7%* |
|---|---|---|
Reward card | Reward+ card | |
| Virgin Points per £1 spent | 0.75 | 1.5 |
| Virgin Points per £1 spent direct with Virgin Atlantic or Virgin Holidays | 1.5 | 3 |
| Annual spend needed to earn a reward voucher | £20,000 | £10,000 |
| Average monthly spend needed to earn a reward voucher | £1,670 | £840 |
| Annual fee | £0 | £160 |
| Representative APR (variable) | 26.9% | 69.7%* |
* This is higher than the Reward card APR as it includes the annual fee
Is switching right for me?
Before you switch, please review the differences between each card. It's important to ensure it's the right decision for you.
Our handy points calculator shows you how many Virgin Points you could earn per year with each card.
The Rewards Lounge section of the app shows your progress towards a reward voucher. You'll see your total Virgin Points if you have linked your Flying Club and Virgin Red accounts.
Consider your spending habits. If you’re spending around £840 a month in each anniversary year, you could earn a reward voucher with the Reward+ card. You’ll earn more Virgin Points on your spending, but this card has an annual fee so it depends what’s most important to you.
You also have the option to apply for a new card rather than switching. Take a peek at our other Virgin Money credit cards:
Your questions answered
You can switch to a Reward+ card if you:
- Have a Virgin Atlantic Reward Credit Card (you cannot switch to the card type you already have).
- Are the primary cardholder.
- Are a member of Virgin Atlantic's Flying Club and have linked your Flying Club account.
- Have not already switched twice in your anniversary year. Your anniversary year is the year running from when you first opened your Virgin Atlantic Credit Card. You can see your anniversary date in the Rewards Lounge section of the app.
- Are up to date with all your credit card payments and within your credit limit.
When you switch to a Reward+ card:
- You'll earn Virgin Points at the higher rate from your switch completion date.
- If you have already earned Virgin Points on your Reward card, don't worry. These will be doubled from the start of your anniversary year up to your switch date.
The amount you need to spend to earn a reward changes from the date you switch.
With a Reward+ card, if you spend £10,000 or more on card purchases over 12 months, you’ll earn a reward voucher. If you switch to Reward+ we'll check if you've spent enough to earn a reward voucher. If you have, Virgin Atlantic will add your voucher to your Flying Club account within 30 days of the switch.
You can only earn one reward voucher every 12 months. Switching cards does not allow you to earn two reward vouchers.
Reward+ has a £160 annual fee. You'll see this on your statement the month after you switch.
If you remain on Reward+, this fee is due each year. It will be added to your statement on your anniversary month.
Depending on your anniversary date, the fee may be due in less than 12 months. You can check your anniversary date in the app.
We don't make any changes to welcome bonus points unless you've switched within the first 90 days of your account opening.
If you switch from Reward to Reward+ during this time you will be eligible to earn the higher welcome points bonus, as though you opened the Reward+ card. However, you won’t be entitled to any additional promotional offers when switching.
You need to have made a purchase with your card to be entitled to any welcome points bonus.
Switching cards does not allow you to earn two sets of welcome bonus points.
Representative example explained
APR stands for Annual Percentage Rate. It shows the cost of using your card to borrow money over a 12‑month period. It includes:
- the standard interest rate on purchases, outside of any promotional rate
- other standard fees, like if there’s an annual card fee
It doesn’t consider interest rates for anything other than purchases. This means interest rates could be higher for other things, such as balance transfers and cash withdrawals. If you plan to use your card for things other than purchases, you’ll need to compare more than just APRs.
Other fees may apply, depending on how you use your card. This includes late payment fees, transfer fees, and cash withdrawal fees.
This is the standard interest rate we charge when you use your credit card to buy something.
You won’t be charged interest if you pay off your spending balance in full each month.
The representative example helps you compare different credit products. It combines the purchase rate and other standard fees to show you the representative APR (Annual Percentage Rate). This gives you a more complete picture of how much borrowing will cost. The lower the APR, the cheaper it is for you to borrow.
UK lenders usually use £1,200 to make comparing credit cards easier. It’s not a reflection of your credit limit.
A variable rate isn’t fixed. It can change with certain circumstances. For example, if you miss your monthly payments. It will also move in line with the Bank of England Base rate.
Ready to switch?
Complete our online form to request your switch. There's no credit check and this won't affect your credit score.
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