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Signing up

You’ll need a Virgin Money or Virgin Atlantic Credit Card to earn cashback. Any additional cardholders won’t be able to directly benefit from Virgin Money Back, but you’ll still earn cashback when they use their card.

You can only get Virgin Money Back on the Virgin Money or Virgin Atlantic Credit Card account that you’ve added to your Virgin Money Credit Card app. If you’ve got more than one Virgin Money or Virgin Atlantic Credit Card, you can create a separate Virgin Money Back account for each card. Each time you create a Virgin Money Back account, you’ll need to agree to these Terms.

We don’t want you to miss out, so get in touch if you’re not able to use the app.

Don’t worry, your credit agreement and app terms stay exactly the same.

Getting to know you

We tailor our offers based on what we know about you – like where you use your card, how much you spend on your card, where you live, and when your birthday is.

We’ll do the same for any additional cardholders too, you might see offers that look more like they’re up their street than yours.

We’ll track everything for you

So you won’t have to worry about a thing. But just so you know, you’ll only earn cashback on transactions where there’s an offer.

You can check out all your offers in the app. They’ll show you how much is up for grabs, how long it lasts and if there are any rules (like not earning cashback on delivery fees). Sometimes the rules might say something different to what’s in these terms. If that happens, the rules will apply. The offers can change quite quickly but you’ll earn cashback at the rate the offer said on the day you made the purchase.

Shop as normal using your Virgin Money Credit Card or Virgin Atlantic Credit Card to pay, you’ll see your cashback appear in your app in a few days. Once it’s there, it’ll show as pending for up to 35 days (unless the offer rules say something else).

We’ll round cashback to the nearest penny.

When you won’t receive cashback

If you get a refund, you won’t receive any cashback that’s still pending.

You won’t receive cashback if we can’t link the purchase to your card automatically. This can happen if you use another company to help make the payment – like when you add your card to their account and then pay using their account or app.

Getting paid

You can withdraw your cashback whenever you want using the app by:

  1. Sending it to a UK bank account in your name. Just make sure you get the details right or you might not be able to get the money back. The cashback should hit your bank account within 3-5 working days.
  2. Sending it to your linked Virgin Money or Virgin Atlantic Credit Card account. The cashback will show in one working day. This won’t count towards your minimum payment – so make sure you pay that like normal – but it’ll reduce the amount you owe overall.

You can claim all of your cleared cashback balance or part of it in multiples of £5. If it looks like something dodgy is happening, we might have to hold the money while we check things out.

Making changes

We might need to change these terms to:

We’ll make sure any changes are fair.

If the change is good for you, we’ll make it straightaway and let you know about it afterwards either by email or in your app. If it’s not, we’ll give you at least 35 days’ notice by email or a message in your app. If you’re not happy, you’re free to close your Virgin Money Back account. If we don’t hear from you, we’ll go ahead and make the change.

We can transfer all of our rights and obligations under these terms to another company. You can’t do the same though. If we do this and there are no changes to how these terms or your account work, we can do it without telling you in advance. But if there are any changes, we’ll let you know 35 days beforehand.

Staying in touch

We’ll use the contact details on your credit card account or send push notifications through the app.

You’ll get two types of messages from us:

  1. Emails, letters, text messages or push notifications (not all at once!) to tell you what’s happening on your Virgin Money Back account – like when it’s been paid.
  2. If you’ve opted in, we’ll send messages about the offers available on Virgin Money Back. You can change your mind by letting us know in the app.

If you’re not happy

If your cashback doesn’t appear in the way you’re expecting, get in touch. You can do this via our missing transaction form on the app. We’re always happy to help and we’ll make sure you get the money if it’s due.

If you want to take us to court, what you need to do depends on where you live:

There are a few other things you need to know

We like to call ourselves Virgin Money. But our official name is Clydesdale Bank PLC. We’re registered in Scotland at 177 Bothwell Street, Glasgow, G2 7ER. Our company number is SC001111. If you need to make a complaint, you can call us on 0800 011 3210 (for Virgin Money Credit Cards) and 0800 085 3210 (for Virgin Atlantic Credit Cards). You can also email your complaint to

We’re a bank, not a cashback company, so we’ve asked Reward to help provide Virgin Money Back. Reward is the trading name of Sports Loyalty Card Limited; a limited company registered in England and Wales (Company Number 04158111) with its registered office at 71 Queen Victoria Street, London, EC4V 4BE.

Any cashback that you earn will be held on your behalf in a bank account that holds all of the cashback that Virgin Money Back customers earn until you redeem it.

We’ll never shirk our legal responsibilities to you. But sometimes we might not be able to stick to everything we promise in these terms. If that happens, we’re not responsible for any loss when:

If you don’t stick to these terms, we won’t always do something about it. But just because we don’t do anything once it doesn’t mean we won’t or can’t the next time.

Accessing Virgin Money Back

Virgin Money Back is found in the Virgin Money Credit Card app. Sometimes, we’ll need to carry out planned work on the app or Virgin Money Back. If this means Virgin Money Back won’t be available, we’ll let you know beforehand by posting a message at or in the app. If we need to do any unplanned work (maybe if we’ve got gremlins in the system), we’ll do our best to fix the problem as soon as possible.

If you’re blocked from accessing your app or you uninstall it, you won’t be able to view your offers or withdraw the cashback you’ve earned.

We might also suspend your Virgin Money Back account if you break any of these terms, the app terms or your credit agreement – like missing a payment or going over your credit limit. If this happens, you won’t be able to earn cashback or withdraw it.

Saying goodbye to Virgin Money Back

These terms apply until your Virgin Money Back account is closed.

Your Virgin Money Back account can be closed while your credit card stays open:

You can’t have Virgin Money Back if you don’t have one of our credit cards. So if your credit card is closed by you or by us, we’ll close your Virgin Money Back account at the same time.

If your Virgin Money Back account has been closed, you should call us as soon as you can to talk about withdrawing any leftover cashback. You won’t be able to do this if we’ve had to close your account because we have a good reason to think you’ve acted fraudulently – or if we’ve not been able to identify you.