Virgin Atlantic

Thinking of taking out a Virgin Atlantic credit card? Read our guide on which kinds of credit cards they offer.

Thinking of taking out a Virgin Atlantic credit card? Read our guide on which kinds of credit cards they offer.

Who is Virgin Atlantic?

Virgin Atlantic is a British airline founded by Richard Branson. The airline flies non-stop to destinations including, New York, the Caribbean and South Africa.

In 2018, the company launched new reward credit cards in partnership with Virgin Money and Mastercard, offering rewards to cardholders who fly with the airline.

Every time you use a Virgin Atlantic credit card, you'll earn Virgin Points to put towards your next flight.

Which is the best Virgin Atlantic credit card for me?

There are two Virgin Atlantic credit cards – Reward and Reward+

Reward

You’ll earn 0.75 points for every £1 you spend on daily purchases and 1.5 points for every £1 you spend with Virgin Atlantic or Virgin Holidays. You can also get an upgrade to Premium or a Companion ticket when you spend £20,000 in a year.

There’s no annual fee.

Reward+

Customers will earn 15,000 bonus points on the first card purchase made in the first 90 days and there’s no minimum spend. They can then earn 1.5 Virgin Points for every £1 you spend on everyday card purchases and 3 points for every £1 you spend with Virgin Atlantic or Virgin Holidays. You can also get an upgrade to Premium or a Companion ticket when you spend £10,000 in a year.

This card comes with an annual fee of £160.

If you’re a frequent flyer with Virgin Atlantic or always book holidays through Virgin Holidays, you may want to consider the Reward+ credit card. You’ll be able to earn points faster and reap the benefits.

The Reward card, however, may be more suitable if you want to earn points on your everyday purchases.

Why choose Virgin Atlantic?

With a Virgin Atlantic credit card, you’ll:

  • Get Virgin Points every time you spend on the card
  • Double your points by spending with Virgin Atlantic and Virgin Holidays
  • Get bonus points when you make a purchase within the first 90 days
  • Be able to earn an upgrade to Premium or a Companion ticket.

Eligibility

To be eligible for the Reward and Reward+ credit cards, you’ll need to:

  • Be at least 18 years old
  • Be a UK resident
  • Have a UK bank or building society account
  • Have an income of at least £7,000, or a household income of at least £15,000
  • Have a good credit history.

As well as the above, you can’t be an existing Virgin Atlantic Credit Card customer and have closed another Virgin Atlantic credit card in the last six months.

Are there any charges?

As well as interest charges, there’s a £12 fee for late or failed payments or for exceeding your credit limit. 
There’s also a 3% fee for balance and money transfers.

For foreign currency transactions, there’s a non-sterling transaction fee of 2.99% of the transaction, and a 5% non-sterling cash advance fee.

You won’t be charged if a transaction is in Euros, Swedish Kronor or Romanian Lei and it takes place in the UK or European Economic Area (EEA).

Why compare credit cards with Compare the Market?

Check eligibility quickly


See what cards you’re likely to be accepted for in under 4 minutes[1]

See cards from a wide range of providers 

We compare credit cards from 16 providers[1]

Find out what credit cards you could be eligible for

Without it impacting your credit score

[1] Correct as of September 2023.

Compare the Market Limited acts as a credit broker, not a lender. To apply you must be a UK resident and aged 18 or over. Credit is subject to status and eligibility.

How well is Virgin Atlantic reviewed on Trustpilot?

In November 2023, Virgin Atlantic was rated 2.0 on Trustpilot.

See Virgin Atlantic’s current Trustpilot rating

Frequently asked questions

How long does it take to get a Virgin Atlantic credit card?

Once your application has been approved, you’ll receive your credit card within 7-10 business days.

Can I get a Virgin Atlantic credit card with bad credit?

No. Having a good credit history is one of the criteria for getting a Virgin Atlantic credit card. You won't be approved for a Virgin Atlantic credit card if you’re bankrupt or in an individual voluntary arrangement, you have county court judgments for debt or defaults and if you have no credit history.

If you have bad credit, you’re unlikely to get a credit card with high borrowing limits and low interest rates, but you could get a credit builder credit card.

How to contact Virgin Atlantic?

Contact customer service on 0800 085 3210.

If you need help managing your card, you can chat online with a team member or use the Virgin Money Credit Card app.

How do I apply for a Virgin Atlantic credit card?

You can apply for Virgin Atlantic credit cards online in just a few minutes.

But before you apply, you can check whether you’re likely to be successful. You can do this by using our credit card eligibility checker. It will show you which credit cards you’re likely to be accepted for in minutes.