Updated October 14, 2026 · SumCue Editorial Team
U.S. Bank vs Virgin Atlantic Reward Credit Card
U.S. Bank
Higher score in this comparison
Virgin Atlantic Reward Credit Card
What sets them apart
| Compare | U.S. BankReviewSee alternativesSee alternatives | Virgin Atlantic Reward Credit CardReviewSee alternativesSee alternatives |
|---|---|---|
| APR | 0%Lower | 27.9% |
| Balance transfer intro period | 12 months | 21 monthsHigher |
| Balance transfer fee | 5% | 2.95%Lower |
| Perks | Cash back deals from brands via the U.S. Bank Mobile App or online banking, Flexible cash back redemption: direct deposit, statement credit, rewards card, merchant gift cards, U.S. Bank ExtendPay Plan with a $0 fee offer for new cardmembers on plans opened in the first 60 days, Contactless chip payment on all U.S. Bank credit cards | Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases, Money transfer option, Virgin Money Cashback offers in the credit card app, 24/7 in app chat support with Redi, Virgin Money Rewards and Virgin Red offers |
| Annual fee | $0 | Not confirmed |
| Currency conversion fee | Not confirmed | 0% |
| Rewards rate | Unlimited 2% cash back on every purchase, plus up to an additional 2% on the first $10,000 in eligible Net Purchases each billing cycle when paired with a U.S. Bank Smartly Savings account and qualifying checking balances (total 2.5% / 3% / 4% by qualifying balance) | Not confirmed |
| Credit needed | Good | Not confirmed |
| Cashback rate | 2% | Not confirmed |
Same on both: Rewards type (Cashback), Card kind (Credit).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- U.S. Bank scores higher overall: 9.4 vs 9.3.
- APR is lower at U.S. Bank: 0% vs 27.9%.
- Balance transfer fee is lower at Virgin Atlantic Reward Credit Card: 2.95% vs 5%.
- Balance transfer intro period is higher at Virgin Atlantic Reward Credit Card: 21 months vs 12 months.
- Perks: only U.S. Bank offers Cash back deals from brands via the U.S. Bank Mobile App or online banking, Flexible cash back redemption: direct deposit, statement credit, rewards card, merchant gift cards, U.S. Bank ExtendPay Plan with a $0 fee offer for new cardmembers on plans opened in the first 60 days.
- Perks: only Virgin Atlantic Reward Credit Card offers Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases, Money transfer option.
- Support channels: only Virgin Atlantic Reward Credit Card offers Chat.
- Features: only U.S. Bank offers Secured.
Our verdict on each
U.S. Bank
U.S. Bank suits people who want a large US bank behind a rewards card that ranks 1 of 312 brands for annual fee. The same group also runs personal loans, savings and mortgages, so you can keep your money with one name across each product.
Virgin Atlantic Reward Credit Card
The UK Virgin Atlantic Reward Credit Card has no annual card fee and earns 0.75 Virgin Points per £1 on everyday purchases. The card page says monthly points are capped based on the credit limit and that the Virgin Money Credit Card app is needed to manage the card. Credit is available only to UK...
Score breakdown
| Area | U.S. Bank | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Cost | 9.2Personal loans carry an origination fee of 0 USD (no origination fees) and the checking account a monthly fee of $0. | 9.2 |
| Offer | 8.9The card pays 2% cash back on every purchase, with more when paired with a Smartly Savings account. | 9.4Higher |
| Trust | 9.9 | Not confirmed |
Availability and regulation
| Country | U.S. Bank | Virgin Atlantic Reward Credit Card |
|---|---|---|
| United Kingdom | Not confirmed | |
| United States | FDIC FDIC cert 6548 | Not confirmed |
Additional countries for U.S. Bank: 1. Additional countries for Virgin Atlantic Reward Credit Card: 1.
Where these facts come from
U.S. Bank
- usbank.com: 15 facts, checked September 26, 2026
- banks.data.fdic.gov: 2 facts, checked September 26, 2026
Virgin Atlantic Reward Credit Card
- uk.virginmoney.com: 11 facts, checked September 26, 2026
How they place
| Ranking | U.S. Bank | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Credit and debit cards | 202 of 1594 | 271 of 1594 |
| Credit cards | 73 of 421 | 91 of 421 |
| Debit cards | 124 of 826 | 168 of 826 |
| Balance transfer cards | 6 of 32 | 7 of 32 |
Every fact side by side
| Fact | U.S. Bank | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Features | Rewards, SecuredCovers more | Rewards |
| Audience | Business, Student, Kids | Not confirmed |
| Legal entity | U.S. Bank National Association | Nationwide Building Society (trading as Virgin Money) |
| Headquarters | United States | United Kingdom |
| Founded | 1863 | Not confirmed |
| Support channels | Phone, Help centre | Chat, Help centre, PhoneCovers more |
Loans
| Fact | U.S. Bank | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Loan amount | $1,000 to $50,000 | Not confirmed |
| Term | 12 to 84 months | Not confirmed |
| Arrangement fee | 0 USD (no origination fees) | Not confirmed |
| Credit check | Hard | Not confirmed |
| Funding time | 1 to 4 business days after loan closing, same day if eligible | Not confirmed |
| Representative example | Loan payment example: Monthly payments for a $10,000 loan at 12.60% APR with a term of 36 months would be $335.02. | Not confirmed |
| Rate type | Variable | Not confirmed |
| Lender type | Direct lender | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Eligibility | Credit approval and program guidelines; needs SSN, US home address and employment information; not all programs available in all states | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Loan types | Personal, Debt consolidation, Credit line, Car | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Savings
| Fact | U.S. Bank | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Headline rate | 3.5% | Not confirmed |
| Minimum deposit | $25 | Not confirmed |
| Deposit protection | FDIC up to USD 250,000 | Not confirmed |
| Access terms | Easy access to funds: withdraw or transfer at thousands of U.S. Bank branches and ATMs; open with $25, no fixed term | Not confirmed |
| Monthly fee | $0 | £0 |
| Account kind | Easy access | Not confirmed |
Debit cards
| Fact | U.S. Bank | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Card type | Debit | Debit |
| Card network | Visa | Not confirmed |
Mortgages
| Fact | U.S. Bank | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Initial rate | 6.625% | Not confirmed |
| APRC | 6.794% | Not confirmed |
| Fixed period | 30 years | Not confirmed |
| Maximum loan to value | 75% | Not confirmed |
| Purpose | Purchase, Remortgage, First time buyer, Home equity | Not confirmed |
Where each stands against the rest
| Fact | U.S. Bank | Virgin Atlantic Reward Credit Card | Median |
|---|---|---|---|
| Annual fee | $0at the median | Not confirmed | $0 |
| APR | 0%lowest quarter | 27.9%highest quarter | 11.635% |
| Currency conversion fee | Not confirmed | 0%below the median | 1% |
| Balance transfer intro period | 12 monthsat the median | 21 monthshighest quarter | 12 months |
| Balance transfer fee | 5%highest quarter | 2.95%below the median | 3% |
| Cashback rate | 2%above the median | Not confirmed | 1.5% |
Median across 486 listed providers.
Pros and cons
U.S. Bank
Pros
- Rewards are cashback, with flexible redemption from direct deposit to statement credit and gift cards.
- Savings deposits carry FDIC up to USD 250,000 of cover from an FDIC insured bank.
- Personal loans allow free early repayment, with borrowing of $1,000 to $50,000 over terms of 12 to 84.
Cons
- Support runs on phone and help centre only.
- Savings pay 3.5% at a variable rate, so the return can fall as well as rise.
- Loans expect good credit and a hard credit check, so approval is not automatic.
Virgin Atlantic Reward Credit Card
Pros
- The Reward card page lists no annual card fee and an everyday earning rate of 0.75 Virgin Points per £1.
- The page explains that monthly points are capped based on the credit limit, making that limit relevant when considering potential points earned.
Who each suits
U.S. Bank
Who it suits
- People already banking with U.S. Bank who want cash back on everyday spend from a card that pairs with a savings account.
- Borrowers with good credit who want to clear a personal loan early at no cost.
- Savers who want easy access at branches and ATMs, a variable rate and insured deposits.
Who should look elsewhere
- Starling Personal Account Debit Card, if you want a UK account and a card at £0 rather than a US bank that also lends.
- bunq, if a euro plan at €0 suits your spending better than a US dollar bank.
- Wise, if you want a card with an annual fee of £0 and no lending, savings or mortgage side.
Virgin Atlantic Reward Credit Card
Who it suits
- UK residents aged 18 or over who meet the subject-to-status condition, value Virgin Points and are or can become Virgin Atlantic Flying Club members.
Current offers
U.S. Bank
Current offer
Bonus
U.S. Bank Cash+ Visa Signature Card one-time cash back bonus (increased from $150 to $200): $200
Approved for a new Cash+ Visa Signature Card and $1,000 or more in eligible Net Purchases within 90 days of account opening; not combinable with other bonus offers; subject to credit approval.
Source, checked September 26, 2026
Bonus
U.S. Bank Altitude Connect Visa Signature Card welcome bonus: 20,000 points
Approved for a new Altitude Connect Visa Signature Card and $1,000 or more in total eligible Net Purchases within 90 days of account opening; previous cardmembers who received a bonus for this product in the last five years are not eligible.
Source, checked September 26, 2026
Bonus
U.S. Bank Altitude Go Visa Signature Card welcome bonus: 20,000 points
Approved for a new Altitude Go Visa Signature Card and $1,000 or more in total eligible Net Purchases within 90 days of account opening; previous cardmembers who received a bonus for this product in the last five years are not eligible.
Source, checked September 26, 2026
Virgin Atlantic Reward Credit Card
Current offer
Bonus
0% interest for up to 21 months on balance transfers and purchases on the all round credit card: 0% for up to 21 months, 2.95% balance transfer fee
Promotional offer varies based on your circumstances and starts from account opening date; applies to transfers made in the first 60 days. Credit is available, subject to status, only to UK residents aged 18 or over.
Source, checked September 26, 2026
Bonus
Get 0% interest on balance transfers for up to 36 months on the balance transfer credit card: 0% for up to 36 months, fee per transfer
Promotional offer varies based on your circumstances and starts from account opening date. Applies to transfers made in the first 60 days. Fees and terms apply.
Source, checked September 26, 2026
Bonus
Virgin Money Cashback from selected top retailers on the Everyday Cashback Credit Card: up to 12% additional cashback
Register in the Virgin Money Credit Card app. Terms apply. Cashback credited monthly; does not count towards your monthly minimum payment.
Source, checked September 26, 2026
First period offer
Everyday Cashback introductory rate: 1% cashback for the first 90 days, then 0.25%, up to £15 a month
90 days starts from when the account opens; cashback deducted from your card balance monthly. Other fees may apply.
Source, checked September 26, 2026
Country by country
| Country | U.S. Bank | Virgin Atlantic Reward Credit Card |
|---|---|---|
| United Kingdom | No | Yes |
| United States | Yes | No |
Questions about each
U.S. Bank
What does the U.S. Bank Smartly credit card cost to hold?+
The Bank Smartly Visa Signature card charges an annual fee of $0, and it is sold as no annual fee. The purchase APR is listed as 0%, so check how long any promotional period runs before relying on it. Support runs on phone and help centre.
How much cash back do I earn, and how do I use it?+
Every purchase earns 2% in cash back, and pairing the card with a U.S. Bank Smartly Savings account and qualifying checking balances adds more on the first eligible purchases each cycle. Rewards are cashback, and redemption is flexible across direct deposit, statement credit, a rewards card and merchant gift cards.
Virgin Atlantic Reward Credit Card
Who can apply for the Virgin Atlantic Reward Credit Card?+
The card page says credit is available subject to status only to UK residents aged 18 or over.
Do cardholders need membership to benefit from points?+
Yes. The page says a Virgin Atlantic Flying Club membership is needed to benefit from points earned.
Other options to compare
Other matchups
U.S. Bank
Virgin Atlantic Reward Credit Card