Virgin Money Virgin Atlantic Reward
Representative APR
26.9% APR (variable)
Purchases
26.90% (variable) p.a.
Balance Transfers
0% for 6 months, then 26.90% (variable) p.a. (3% fee for 2 months)
Account Fees
£0
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 26.90% (variable) p.a., most accepted customers get a rate of 26.9% APR (variable).
Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.
Our Verdict
The Virgin Money Virgin Atlantic Reward credit card has no annual fees and is designed for travellers who spend at least £20,000 annually. It includes membership to the Virgin Atlantic Flying Club and charges no foreign exchange fees on spending within Europe, making it a strong choice for frequent flyers.
Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.
Product Features & Benefits
| Issuer | Virgin Money |
|---|---|
| Network | Mastercard |
| Primary Category | Rewards |
| Loyalty Scheme | Virgin Points |
| Incentive on opening | Earn 3,000 bonus points with your first card purchase made within 90 days of account opening. No foreign exchange fees on spending in Europe |
| Cashback/Rewards (if applicable) | 0.75 Virgin Points for every £1 spent on everyday purchases. Earn 1.5 Virgin Points for every £1 spent direct with Virgin Atlantic or Virgin Holidays. If you spend £650 each month, in a year you'll earn 5,850 Virgin Points. Spend £20,000 or more over 12 months to earn an additional reward. |
| Account Fee | £0 |
| Purchases | 26.90% (variable) p.a. |
| Purchases Interest Free Period | 50 days |
| Balance Transfers | 0% for 6 months, then 26.90% (variable) p.a. (3% fee for 2 months) |
| Balance Transfer Fee | 5.00% |
| Cash Advances | 28.90% (variable) p.a. (fees apply) |
| Minimum Credit Limit | £ 0.00 |
| Maximum Credit Limit | Subject To Status |
Fees & Charges
| Account Fee | £0 |
|---|---|
| Late Payment | £ 12 |
| Returned Payment | £ 12 |
| Exceed Limit | £ 12 |
| Duplicate Statement | £ 0 |
| Replacement Card | £ 0 |
| Trace Fee | £ 0 |
| Cash Withdrawal Fee | 5% |
| Cash Withdrawal Minimum Charge | £ 0 |
| Foreign Usage EU | 3% |
| Foreign Usage World | 3% |
Application Requirements
| Availability | Available to new customers. |
|---|---|
| Minimum Income | £ 7,000 |
| Minimum Age | 18 |
| Residency | Permanent resident in the UK. |
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34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited who acts as a credit broker, not a lender.
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