Updated September 28, 2026 · DebitCue Editorial Team
U.S. Bank vs Virgin Atlantic Reward Credit Card
U.S. Bank
Virgin Atlantic Reward Credit Card
Higher score in this comparison
What sets them apart
| Compare | U.S. BankReviewSee alternativesSee alternatives | Virgin Atlantic Reward Credit CardReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | $0 | £0 |
| Currency conversion fee | Not confirmed | 0% |
| Card network | Visa | Not confirmed |
Same on both: Card type (Debit).
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Key differences
- Virgin Atlantic Reward Credit Card scores higher overall: 9.3 vs 9.1.
- Support channels: only Virgin Atlantic Reward Credit Card offers Chat.
- Features: only U.S. Bank offers Virtual card.
- Features: only Virgin Atlantic Reward Credit Card offers Rewards.
Our verdict on each
U.S. Bank
U.S. Bank suits people already banking with the bank who want a no cost debit card and a cash back credit card in the same place. The checking account carries a monthly fee of $0 and the Bank Smartly Visa Signature has an annual fee of $0 and rewards of 2%.
Virgin Atlantic Reward Credit Card
The Virgin Atlantic Reward Credit Card is a credit card from Nationwide Building Society, trading as Virgin Money, and it suits anyone clearing an existing balance while earning cashback. The interest free transfer window runs 21 with a fee of 2.95%, and support runs through chat, help centre and phone.
Score breakdown
| Area | U.S. Bank | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Cost | 9.2HigherMonthly fee of $0 on the checking account and $0 on the credit card, with cash back rewards | 9.1Purchases run at 27.9% against a typical 20.97% on the site, while £0 keeps the account fee at nothing. |
| Offer | 8.9 | 9.4HigherRewards are cashback, with a money transfer option and an interest free period on purchases. |
How they place
| Ranking | U.S. Bank | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Debit cards | 171 of 1336 | 114 of 1336 |
| Credit cards | 164 of 1020 | 112 of 1020 |
| Balance transfer cards | 12 of 35 | 4 of 35 |
| Cashback cards | 61 of 203 | 40 of 203 |
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.
What we checked
U.S. Bank
- usbank.com: 6 facts, checked September 26, 2026
- banks.data.fdic.gov: 2 facts, checked September 26, 2026
Virgin Atlantic Reward Credit Card
- uk.virginmoney.com: 7 facts, checked September 26, 2026
Every fact side by side
| Fact | U.S. Bank | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Features | Virtual card | 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 |
| Support channels | Phone, Help centre | Chat, Help centre, PhoneCovers more |
Credit cards
| Fact | U.S. Bank | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Annual fee | $0 | Not confirmed |
| APR | 0%Lower | 27.9% |
| Rewards type | Cashback | Cashback |
| Pricing model | No annual fee | Not confirmed |
| 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 |
| Balance transfer intro period | 12 months | 21 monthsHigher |
| Balance transfer fee | 5% | 2.95%Lower |
| Credit needed | Good | Not confirmed |
| 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 |
| Cashback rate | 2% | Not confirmed |
| Card kind | Credit | Credit |
Where each stands against the rest
| Fact | U.S. Bank | Virgin Atlantic Reward Credit Card | Median |
|---|---|---|---|
| Currency conversion fee | Not confirmed | 0%below the median | 1% |
Median across 387 listed cards.
Pros and cons
U.S. Bank
Pros
- Monthly fee of $0 on the Smartly checking account keeps the everyday account cost at nil
- Cash back credit card with an annual fee of $0 and a rewards rate of 2% on every purchase
- Debit card on the visa network with a virtual card option for online spending
Cons
- Support runs on phone and help centre only, so there is no email or live chat option
- A balance transfer offer of 12 months comes with a fee of 5%
- The highest cash back rate on the credit card depends on holding a Smartly Savings account and qualifying checking balances
Virgin Atlantic Reward Credit Card
Pros
- The listed Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases and Money transfer option put an interest free period on purchases alongside the balance transfer offer, so everyday spending can run interest free too while an old balance is being cleared.
- Help runs through chat, help centre and phone, with chat with Redi in the card app day and night for a quick answer on a charge or a transfer.
- The issuer is Nationwide Building Society (trading as Virgin Money), regulated in the UK by the Prudential Regulation Authority under reference 106078.
Cons
- Purchases run at 27.9%, above the typical 20.97% across the site, so a balance carried beyond the interest free window is costly to keep.
- It sits at position 105 of 133 brands on APR, which leaves less expensive rates sitting elsewhere in the comparison.
- Transfers cost 2.95% each, and 21 is the maximum interest free window offered rather than a fixed run for every applicant.
Who each suits
U.S. Bank
Who it suits
- Existing U.S. Bank customers who want the checking account and credit card together
- Business owners looking for a debit card with a virtual card for online purchases
- Students and parents setting up a kids account on the same bank
Who should look elsewhere
- People who want a card with no foreign exchange costs, where Wise is a closer match
- Anyone who needs live chat or email help, as support runs on phone and help centre only
- Customers unwilling to hold a savings balance, since the highest cash back rate depends on qualifying checking balances
Virgin Atlantic Reward Credit Card
Who it suits
- Anyone clearing a balance on an existing card and willing to pay 2.95% for 21 of interest free running.
- Existing Virgin Money customers who already use the app, since the listed Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases and Money transfer option are built around in app chat and cashback offers.
- Cashback shoppers who want an interest free period on purchases as well as on transfers, with both covered in the Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases and Money transfer option.
Who should look elsewhere
- Not for anyone after the lowest possible rate: the Varo Believe Secured Credit Card is listed at 0%, though it works as a secured card.
- Not for pure everyday spending from an account balance, where the Starling Personal Account Debit Card at 15% is the simpler arrangement.
- Not for paying interest month to month, since the AXI Card Tarjeta y Credito lists 21.59% against 27.9% here.
Current offers
U.S. Bank
Current offer
Bonus
Score up to $450 with U.S. Bank Smartly Checking: up to $450
Open a new U.S. Bank Smartly Checking account and complete required activities. Offer valid through November 10. Terms and limitations apply.
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 debit card cost to hold?+
The Smartly checking account that the debit card sits on has a monthly fee of $0, so the account itself adds nothing to your costs. The card runs on the visa network, so it works in the same ATMs and shops as other Visa cards. Support is available on phone and help centre.
Is my money protected at U.S. Bank?+
U.S. Bank National Association is the legal entity behind the account, and the bank is headquartered in the US. It is supervised by the FDIC and listed under FDIC cert 6548. The balance sits in a bank current account rather than a prepaid balance, and support runs on phone and help centre.
Virgin Atlantic Reward Credit Card
What does it cost to hold and to borrow?+
The monthly fee is £0, so holding the account adds nothing in account fees. Borrowing is the expensive part: purchases run at 27.9%, and each balance transfer costs 2.95%. The transfer figure is the one to weigh against a card that charges nothing to move a balance.
How long is the interest free period on a balance transfer?+
The interest free window on balance transfers runs 21, and moving a balance costs 2.95%. Once that window ends the purchase rate of 27.9% is what applies, so the card works when the balance is cleared inside the period. Treat the window as the maximum rather than a fixed run.
Other options to compare
Other matchups
U.S. Bank
Virgin Atlantic Reward Credit Card