Starling Personal Account Debit Card vs Virgin Atlantic Reward+ Credit Card: fees, rewards and APR compared - DebitCue Skip to content
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Head-to-head

Starling Personal Account Debit Card vs Virgin Atlantic Reward+ Credit Card

Compare Starling Personal Account Debit Card and Virgin Atlantic Reward+ Credit Card side by side: fees, rewards, APR, and perks.

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Compared side by side

Cells with a check mark are the stronger value in that row. Ties stay unmarked.

Starling Personal Account Debit Card versus Virgin Atlantic Reward+ Credit Card compared by attribute
Feature Starling Personal Account Debit Card Virgin Atlantic Reward+ Credit Card
Card fee No fee £160 GBP/yr (≈ $200)
Purchase APR (from) - 26.9%
Interest-free period - -
Foreign transaction fee 0% 2.99%
Rewards No cashback or points programme. No interest currently paid on current account balance (removed February 2025). The Tail app integration provides selective merchant cashback but is a third-party add-on, not a native Starling reward. 1.5 Virgin Points per £1 on everyday purchases; 3 points per £1 with Virgin Atlantic and Virgin Holidays. Annual companion/upgrade voucher triggered at £10,000 spend. Points redeemable via Flying Club or Virgin Red. Earn rate is double the free card.
Installments - -
No card fee -
No foreign transaction fee -
Welcome bonus -
Airport lounge access - -
Travel insurance - -
Apple Pay / Google Pay

Which is right for you

Pick by how you spend

  • Choose the Starling Personal Account Debit Card if its checked rows above line up with how you spend most.
  • Choose the Virgin Atlantic Reward+ Credit Card if it wins on the features that matter most to you.
  • Still unsure? Read each full review below, then apply on the issuer's secure site.
Full review Starling Personal Account Debit Card Full review Virgin Atlantic Reward+ Credit Card

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