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Virgin Money credit card review
What do Virgin Money credit cards offer?
Virgin Money has a large range of credit card deals to choose from, including competitive 0% balance transferand 0% money transfercards as well as all-rounder deals that combine multiple offers.
For example, the Virgin Money 24-Month Balance Transfer Credit Card offers 0% on balance transfers for 24 months. Each balance transfer attracts a 3% balance transfer fee and the card charges a representative APR of 24.9% (variable).
How does Virgin Money compare with other providers?
Virgin Money achieved an impressive customer score of 75% in our latest credit card provider satisfaction survey, placing it joint 4th out of 31 providers, along with Sainsbury's Bank and Santander.
This, combined with its current range of deals, has made Virgin Money a Which? Recommended Provider for 2024, alongside Tesco Bank and American Express.
- Find out more: visit our best credit card providers guide to read the full survey results and compare Virgin Money's score with other companies
Is Virgin Money a good credit card provider?
Our survey also reveals how Virgin Money customers rated the provider across five categories:
| Customer satisfaction category | Virgin Money star rating |
|---|---|
| Customer service | |
| Application process | |
| Clarity of statement | |
| Transparency of charges and penalties | |
| Ability to manage account online or via a 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 Money to find out more about our research.
Your Virgin Money credit card questions answered
Grace, our credit card expert, answers the top questions people have about Virgin Money credit cards.
Does Virgin Money offer an eligibility check?
Virgin offers a Card Checker tool, which allows you to see your chances of being accepted for one of its credit cards before you apply, without affecting your credit score.
Where are Virgin Money credit cards accepted?
Virgin Money issues its credit cards on the Mastercard network, so you will be able to use the card in millions of places in the UK and abroad.
Do you get air miles with a Virgin Money credit card?
You won't earn any Flying Club Miles with a Virgin Money credit card, but you will with a Virgin Atlantic credit card.
How will I know what my minimum payment each month is?
Your minimum payment will be displayed on your statement, whether it's online or on a paper statement. There will also be a date by which you must make the payment. You can ask for it to be changed - for example, to fit in with when you get paid.
How we review Virgin Money
Sam Wilson, credit card market analyst, says: 'At Which? we put credit card products and providers under the microscope to help you save time when shopping around for a new deal.
'We run an annual survey each year to gather the experiences of customers to help us find the best providers and we keep a close eye on the credit card market to determine which deals are the best in their category.'
Here's some more information about our research and the terms we use in our reviews.
Which? Best Buys
To become a Which? Best Buy, a credit card has to meet or exceed a range of category-specific benchmarks set by our analysts. For example, we look at the size of the balance transfer fee as well as the 0% period on balance transfer credit cards.
Customer score
Our customer scores for credit card companies are based on an online survey of 3,775 members of the public in October 2023.
The score is calculated using a combination of overall satisfaction 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.
Which? Recommended Providers
To be a Which? Recommended Provider for credit cards a credit card company must:
- have a provider customer score of at least 75%
- have at least one top-10 card in one of the seven main categories available on the market
- have a product score that's average or above
- not have a representative APR of more than 33% on any of its mainstream cards at the time of the analysis.
We only award Which? Recommended Providers to the lenders that meet our benchmarks on customer service and product offering.
- 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 – nobody else. See our statement of editorial independence for more.
Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.