Virgin Atlantic Reward credit card review

2 min Read Published: 19 Apr 2024

Virgin Atlantic Reward Credit CardThe Virgin Atlantic Reward credit card is a no-fee option for those who want to earn Virgin Airways rewards, albeit without the perk of an introductory offer.

Key facts about the Virgin Atlantic Reward credit card

  • Best for: Those who don't want to pay an annual fee for their air-miles credit card
  • Introductory offer: No introductory offers
  • Representative APR: 26.9% variable
  • Fees: No annual fee
  • Perks: Rewards such as a companion ticket or upgrade when you spend £20,000 or more in a year, earn 0.75 Virgin points for every £1 spent on the card, double points when you use your card for Virgin Atlantic flights or Virgin Holiday, free entry to Virgin Money lounges

Partner Spotlight

Compare credit card deals

We’ve teamed up with Creditec

  • Find out what credit cards you are eligible for
  • This will not affect your credit rating
  • 26.5% APR Representative (variable)

Powered by
Check your eligibility*

Pros of the Virgin Atlantic Reward credit card

  • No annual fee, which is rare among air-miles credit cards
  • A good range of perks, especially suited to those who like the Virgin Atlantic brand
  • Relatively low APR, although it is still worth paying off the balance in full each month to keep your purchases interest free
  • You can earn a reward each year, including a companion ticker or upgrade, if you spend a minimum of £20,000 on the card

Cons of the Virgin Atlantic Reward credit card

  • It doesn't have any specific introductory offers so there isn't an immediate benefit to taking out the card
  • You have to spend a relatively high amount on the card to earn the annual reward
  • You have up to 24 months to claim your reward. It expires after that date.

How to manage your payments on the Virgin Atlantic Reward credit card

You can manage your account using the Virgin Money Credit Card app.

How to find out which credit card is best for you

You can use Money to the Masses partner Creditec* to quickly build a list of the credit cards that match up with your needs. By simply adding in a few basic details, you will get a tailored collection of the best credit cards for you. You can use your Creditec results to check how likely you are to be accepted for a certain card, which cards available to you offer the best rewards or find out what option will leave you with the lowest fees to pay. Creditec is able to check your eligibility without running a full credit check, which means your credit score will not be affected. Click this link to start your comparison*.

How to apply for the Virgin Atlantic Reward credit card

The Virgin Money Card Checker eligibility checker will give you a good idea whether you will be accepted for the card, without leaving a footprint on your credit file.

Alternatives to the Virgin Atlantic Reward credit card

"Which are the best air-miles credit cards - and should I get one?"

"Virgin Atlantic Reward Plus credit card review"

"Virgin All Round credit card review"

"Which is the best American Express credit card?"



If a link has an * beside it this means that it is an affiliated link. If you go via the link Money to the Masses may receive a small fee which helps keep Money to the Masses free to use. But as you can clearly see this has in no way influenced this independent and balanced review of the product.