Virgin Atlantic Reward Credit Card review
Updated October 14, 2026 · SumCue Editorial Team · Facts checked October 14, 2026
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Our verdict
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...
Key facts
- Best for
- UK residents aged 18 or over comparing a Virgin Atlantic Reward credit card and who can meet its status and Flying Club conditions.
- APR
- 27.9%↗
- Currency conversion fee
- 0%↗
- Rewards type
- Cashback↗
- Balance transfer intro period
- 21 months↗
- Balance transfer fee
- 2.95%↗
- Perks
- 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↗
- Card kind
- Credit↗
- Legal entity
- Nationwide Building Society (trading as Virgin Money)↗
- Headquarters
- United Kingdom↗
- Support channels
- Chat, Help-centre, Phone↗
- Features
- Rewards
- Official website
- virginmoney.com
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- LinkedInXfacebook.com
Pros
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 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.
Reward card points and management
The Reward card page lists no annual card fee and says everyday purchases earn 0.75 Virgin Points per £1. It says monthly points are capped based on the credit limit, and card management requires the Virgin Money Credit Card app.
Eligibility and points conditions
Credit is available only to UK residents aged 18 or over and remains subject to status. A Virgin Atlantic Flying Club membership is needed to benefit from points. These details apply to the Reward variant described here.
How Virgin Atlantic Reward Credit Card compares
- 9.3 vs 8.6
9.3 vs 9.4
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9.3 vs 9.0
9.3 vs 8.8
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9.3 vs 9.2
9.3 vs 8.7
9.3 vs 9.4
9.3 vs 9.0
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9.3 vs 9.1
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9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 8.8
9.3 vs 8.8- 9.3 vs 8.8
9.3 vs 8.7
9.3 vs 8.7
9.3 vs 8.7
9.3 vs 8.7
9.3 vs 8.7
9.3 vs 8.6
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.4- 9.3 vs 8.0
9.3 vs 8.0
9.3 vs 8.0
9.3 vs 8.0- 9.3 vs 8.0
9.3 vs 9.1
Where Virgin Atlantic Reward Credit Card is available
- Available
- United Kingdom
- Licence in United Kingdom
- Prudential Regulation Authority (106078), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
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.
What currency conversion fee does Virgin Atlantic Reward Credit Card charge?+
The currency conversion fee at Virgin Atlantic Reward Credit Card is 0%. (Source, checked September 26, 2026)
Which company operates Virgin Atlantic Reward Credit Card?+
Virgin Atlantic Reward Credit Card is operated by Nationwide Building Society (trading as Virgin Money). (Source, checked September 26, 2026)
Where is Virgin Atlantic Reward Credit Card based?+
Virgin Atlantic Reward Credit Card is based in United Kingdom. (Source, checked September 26, 2026)
How can I contact Virgin Atlantic Reward Credit Card support?+
Virgin Atlantic Reward Credit Card offers support through Chat, Help-centre, Phone. (Source, checked September 26, 2026)
Sources
- uk.virginmoney.com/cards checked September 26, 2026
Backs: Support channels
“Need help? Get 24/7 support with your credit card from Redi, our digital host. Start a chat in the app for instant answers to your questions. Visit the help centre. Calls are charged at your service...”
- uk.virginmoney.com/cards/products/all-round-cards checked September 26, 2026
Backs: APR, Balance transfer fee, Balance transfer intro period, Card kind, Features, Headquarters, Legal entity, Perks, Rewards type, Licences
“All round credit cards. Representative example: If you borrow £1,200 at a purchase rate of 27.9% (variable) a year, your representative APR is 27.9% APR (variable).”
- uk.virginmoney.com/current-accounts/compare-accounts checked September 26, 2026
Backs: Monthly fee
“M Plus Account - Monthly fee for maintaining the account: None”
- uk.virginmoney.com/current-accounts/pca checked September 26, 2026
Backs: Card type, Currency conversion fee
“a contactless debit card that works worldwide”
Compiled from 4 source pages, checked October 14, 2026. We did not open an account.
Not confirmed yet: Annual fee.
Virgin Atlantic Reward Credit Card
UK residents aged 18 or over comparing a Virgin Atlantic Reward credit card and who can meet its status and Flying Club conditions.