Earn points, access exclusive perks, and maximize your financial lifestyle!

The Reward Credit Card helps UK customers transform everyday purchases into Virgin Points, offering travel rewards with no annual fee and transparent features. This is a complete Virgin Atlantic Reward Credit Card review.

With a representative APR of 26.9% variable, the card offers 0.75 points per £1 spent, with double rewards when booking directly with Virgin Atlantic or Virgin Holidays.

It’s a versatile choice for responsible spenders seeking perks without hidden costs. Capped monthly earnings tied to your credit limit ensure fairness, stability, and control while still delivering valuable rewards.

Feature	Details
Representative APR	26.9% variable
Intro Offer	0% interest on balance and money transfers for 6 months (3% fee applies)
Annual Fee	£0 (no annual fee to maintain the card)
Credit Limit	Based on applicant score, capped monthly for Virgin Points earning

All rates, fees, and offers were accurate at the time of writing but may change. Please check Virgin Money’s official website for the latest details.

Is this a good option for me?

The Virgin Atlantic Reward Credit Card combines simple features with useful benefits. It’s designed for anyone looking to earn rewards while keeping costs low and features transparent.

Generally speaking, this card suits customers who enjoy travel with Virgin Atlantic or Virgin Holidays, while also wanting value from daily purchases. 

This Virgin Atlantic Reward Credit Card review is reassuring for those who want more than points. This card adds convenience with balance transfer and money transfer options, alongside capped earnings for controlled, responsible, and valuable monthly usage.

Everyday spending rewards

You’ll earn 0.75 Virgin Points for every £1 spent on everyday purchases, making regular expenses count toward your travel goals while ensuring long-term benefits accumulate consistently over time.

This system helps you maximise your lifestyle spend, turning groceries, bills, or leisure expenses into rewards. Everyday activity transforms into practical travel perks, keeping this card highly competitive within its category.

Travel partner points

Spending directly with Virgin Atlantic or Virgin Holidays earns double points, at 1.5 per £1 spent. This boosts value significantly for frequent travellers or those planning holiday packages.

Direct engagement with Virgin brands ensures the most attractive returns. It’s one of the key highlights reinforcing confidence, supported through this Virgin Atlantic Reward Credit Card review for potential applicants.

Promotional transfers

With 0% interest on balance and money transfers for six months (3% fee applies), the card helps consolidate debts or provide short-term liquidity without overwhelming costs.

This temporary flexibility allows cardholders to better manage financial commitments, whether clearing existing credit or managing cashflow for essentials. After six months, the standard rate of 26.9% applies.

Credit limits and caps

Virgin Points earning is capped monthly based on your credit limit, keeping rewards fair and tied to spending responsibility. If your limit is £5,000, only that amount earns.

This ensures rewards don’t disproportionately benefit excessive spending, while offering everyday cardholders valuable returns. Virgin Money resets the counter each month on the date of your statement.

Added trust and recognition

Awarded “Best Credit Card Provider” at the YourMoney.com Personal Finance Awards 2025, the Virgin Atlantic Reward Credit Card has industry recognition, providing reassurance for new applicants and long-term users.

Trustworthiness, paired with valuable reward options, makes the card more than a product — it’s a tool for lifestyle enhancement. This Virgin Atlantic Reward Credit Card review highlights these practical achievements.

Review the Virgin Atlantic Reward Credit Card fees and interest rates

This card offers clear fee structures and interest rates, ensuring customers know exactly how they’ll be charged. Transparency and control are central to the way this card operates.

Fees and interest rates are essential for decision-making. This Virgin Atlantic Reward Credit Card review confirms that customers receive detailed breakdowns upfront, helping them plan usage effectively and responsibly before committing.

Fees explained

• 🔹 Balance transfer fee: 3% fee on all balance transfers, waived if made within first 60 days.
• 🔹 Money transfer fee: 3% fee applied to all money transfers, promotional waiver applies initially.
• 🔹 Late payment fee: If the minimum payment isn’t received on time, promotional rates are withdrawn immediately.

Interest rates explained

• 🔸 Representative APR: 26.9% variable, applies to most card purchases.
• 🔸 Balance transfer rate: 0% interest for 6 months, then 26.9% variable.
• 🔸 Money transfer rate: 0% interest for 6 months, then 26.9% variable.

What can this credit card do for me: pros and cons

This card offers accessible features for travel enthusiasts and everyday users. Balancing rewards with capped limits, it’s flexible, responsible, and rewarding for consistent customers across the United Kingdom.

This Virgin Atlantic Reward Credit Card review reveals competitive perks with transparent costs, making it an attractive solution compared to competitors, especially for those seeking no annual fee commitments.

Pros

• ✅ No annual fee: Keep benefits without ongoing maintenance costs, ensuring maximum rewards without additional expenses charged annually on your account.
• ✅ Everyday points: Earn Virgin Points on every £1 spent, with higher rewards directly on Virgin Atlantic and Virgin Holidays purchases.
• ✅ Balance transfers: Promotional 0% rate for six months, offering flexibility to manage debts or optimise financial planning responsibly and affordably.
• ✅ Award-winning recognition: Voted Best Credit Card Provider 2025, ensuring reliable service quality and consumer satisfaction proven across the industry.
• ✅ Points never expire: Virgin Points remain valid, giving cardholders flexibility to accumulate and redeem rewards over time without worrying about deadlines.

Cons

• ⚠️ Capped rewards: Monthly Virgin Points earnings limited to credit limit, reducing flexibility for higher spenders seeking more reward accumulation potential.
• ⚠️ High APR: Standard purchase APR of 26.9% may be costly for those carrying balances without clearing them in full.
• ⚠️ Short promos: Promotional 0% rates last only six months, after which higher variable rates of 26.9% apply automatically.
• ⚠️ Limited travel focus: Higher rewards only apply on Virgin Atlantic or Virgin Holidays, less versatile compared to broader reward programmes.
• ⚠️ Good credit required: Applicants need strong credit history and steady income, excluding those with weaker financial backgrounds or missed payments history.

Can I apply for this credit card?

Virgin Atlantic Reward Credit Card is available to UK residents who meet specific conditions. Its transparent application process helps responsible users get started with earning Virgin Points.

This Virgin Atlantic Reward Credit Card review confirms applicants need to demonstrate income stability, good credit history, and residency. Meeting requirements ensures smoother approval and responsible cardholder experiences.

• ✔️ Residency requirement: Must be a UK resident aged 18 or older, including any additional cardholders added.
• ✔️ Bank account: Must have an active UK bank or building society account with regular accessible transactions.
• ✔️ Income requirement: Must have minimum annual personal income of £7,000 before tax, including salary, pensions, or rental income.
• ✔️ Credit history: Must demonstrate good credit history, with no recent missed payments or County Court Judgments recorded.
• ✔️ Restrictions: Cannot hold or have recently closed a Virgin Atlantic Reward+ Credit Card within the last six months.

How to apply for the Virgin Atlantic Reward Credit Card!

The application is quick and straightforward, designed to evaluate eligibility efficiently. Applicants benefit from Virgin Money’s pre-checker tool, ensuring transparency without negatively affecting credit history.

This Virgin Atlantic Reward Credit Card review shows the application process is simple and fast, allowing applicants to confirm eligibility and complete submission within just minutes.

Step 1: Use eligibility checker

Start with Virgin Money’s online card checker tool. It quickly indicates your likelihood of approval without impacting your credit score or leaving permanent marks.

This pre-check builds confidence in applying by showing results within minutes. It’s an essential first step as seen in this Virgin Atlantic Reward Credit Card review process for new applicants.

Step 2: Gather personal information

Applicants should prepare identification, income details, and employment history to streamline the process. Ensuring information is accurate helps improve approval chances and avoids unnecessary delays during verification.

This step guarantees your details are fully aligned with requirements. By preparing documents, you’ll simplify application submission and progress faster toward Virgin Atlantic Reward Credit Card review eligibility confirmation.

Step 3: Complete online application

Once documents are ready, proceed with the online application form. Input personal and financial details, ensuring accuracy throughout, and submit directly via Virgin Money’s secure system.

This digital application process is designed to be fast and efficient. Within minutes, you’ll receive confirmation on whether your Virgin Atlantic Reward Credit Card application is progressing.

Step 4: Await approval decision

Virgin Money will assess your application, considering credit history, income, and financial commitments. Most applicants receive a response promptly, with clear next steps communicated via secure correspondence.

This waiting period is often short. Virgin Atlantic Reward Credit Card review indicates applicants typically receive rapid outcomes, ensuring confidence and clarity regarding card eligibility decisions.

Step 5: Receive your card

Once approved, the physical card is issued and sent by post. Activation is straightforward, enabling you to begin earning Virgin Points on everyday and Virgin purchases immediately.

This Virgin Atlantic Reward Credit Card review concludes here, highlighting the seamless journey from pre-check to card activation, ensuring value and rewards from the very first use.

Is the Virgin Atlantic Reward Credit Card really worth it?

For those seeking straightforward rewards and travel benefits, this card delivers strong value without ongoing fees. It’s a practical choice for everyday earners and Virgin Atlantic enthusiasts alike.

This Virgin Atlantic Reward Credit Card review demonstrates its usefulness for responsible spenders. Rewards are competitive, features transparent, and it carries award-winning recognition as proof of its credibility in the market.

This card isn’t ideal for everyone. Higher APRs and spending caps may not suit heavy spenders or those unable to clear balances consistently each month.

As an alternative, readers are invited to check out our comprehensive review of the Lloyds Balance Transfer Credit Card, which may better suit different financial needs.