Virgin Atlantic credit card review
What do Virgin Atlantic Credit Cards offer?
Virgin Atlantic offers two air mile credit cards that let you earn Virgin Points on purchases and exchange them for holiday-related savings on flights and upgrades.
The Virgin Atlantic credit card offers 0.75 Virgin Points for every £1 spent on everyday purchases and 1.5 Virgin Points for every £1 spent with Virgin Atlantic or Virgin Holidays. The card has a representative APR of 26.9% (variable) and no annual fee.
The Virgin Atlantic Reward Plus Credit Card can build up your points sooner as it offers 1.5 Virgin Points for every £1 spent on everyday purchases and 3 Virgin Points for every £1 spent with Virgin Atlantic or Virgin Holidays. However, the card has an annual fee of £160 and a representative APR of 69.7% (variable).
How does Virgin Atlantic compare to other providers?
Virgin Atlantic achieved an above-average provider customer score of 70% in our latest credit card provider satisfaction survey, coming joint-12th out of 31 providers alongside NatWest.
- Find out more: visit our guide to the best credit card providers to read the full survey results and compare Virgin Atlantic's customer score with other companies.
Is Virgin Atlantic a good card provider?
Our survey also reveals how Virgin Atlantic customers rated the provider across the following five categories:
| Customer satisfaction category | Virgin Atlantic star rating |
|---|---|
| Customer service | |
| Application process | |
| Clarity of statement | |
| Transparency of charges and penalties | |
| Ability to manage account online or via mobile app |
Table notes: star ratings are out of five and show the level of satisfaction for each category. We carry out this survey annually and update our review pages accordingly. Jump to the section on how we review Virgin Atlantic to find out more about our research.
Your Virgin Atlantic credit card questions answered
Grace, our credit card expert, answers the top questions people have about Virgin Atlantic credit cards.
Does Virgin Atlantic offer an eligibility check?
Virgin Atlantic cards are administered by Virgin Money, which offers a Card Checker tool. This allows you to see your chances of being accepted for one of its credit cards before you apply, without affecting your credit score.
Can I use Virgin Atlantic cards abroad?
You'll be able to use your air mile credit card overseas, but you may want to avoid doing this as they typically charge foreign transaction fees on spending abroad. Visit our guide on the best travel credit cards to find out which deals have no foreign transaction fees.
What extra charges do you pay for using your points?
Most of the time points can only be claimed against the cost of the flight, but not taxes and fees. So even when you’ve earned enough points for a free flight, you may still have to pay hundreds of pounds.
It's best to do your research to find out how to get the most value from your points, so see our guide on the best air mile credit cards.
How we review Virgin Atlantic
Here's more information about our research and the terms we use in this review.
Customer score
Our customer scores for credit card companies are based on an online survey of 3,775 members of the public conducted in October 2023.
The score is calculated using a combination of overall satisfaction with the brand and the likelihood of recommending the provider to a friend.
Star ratings
We also ask credit card customers to rate brands on five categories including customer service, application process, clarity of statement, transparency of charges and ability to manage the account online or via a mobile app, so you can get an idea of the quality of service you might receive before you sign up.
Star ratings for each category are calculated independently of each other and the provider customer score.
Providers must receive a minimum sample size of 40 respondents to be included in our customer satisfaction tables.
- Find out more: Which? symbols, logos and ratings explained.
Why should you trust Which? research?
We’re not influenced by third parties. We work entirely on behalf of you, the consumer and nobody else. See our statement of editorial independence for more.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.