Credit card

Virgin Atlantic Reward+ Credit Card

Points

MASTERCARD

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Card review

Virgin Atlantic Reward+ Credit Card

4.1 8.2/10 DebitCue Score Verified Jun 20, 2026

Double the points, lower the spend threshold for your annual voucher

Fee: £160 GBP/yr (≈ $200)
Purchase APR: 26.9% - 69.7%
Interest-free: -
Foreign fee: 2.99%

Rewards

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.

Welcome offer

18,000 Virgin Points after first purchase within 90 days of account opening

Our verdict

What stands out, and where it falls short.

What we like

1.5 Virgin Points per £1 on everyday purchases; 3…
Welcome bonus

Worth weighing

£160 GBP/yr (≈ $200) card fee
2.99% foreign transaction fee
High interest if you carry a balance

Who It Is For

Whether the Virgin Atlantic Reward+ Credit Card fits how you actually spend.

Pick it if you are

People who want rewards on their spending

Skip it if you are

Light spenders who won't beat the £160 GBP/yr (≈ $200) fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in GBP.

Card fee: £160 GBP/yr (≈ $200)
Purchase APR: 26.9% - 69.7%
Interest-free period: -
Foreign transaction fee: 2.99%
Representative APR (incl. annual fee): 69.7% variable
Purchase APR: 26.9% variable
Annual fee: £160
Balance transfer offer: 0% for 6 months (3% handling fee)
Foreign transaction fee (outside EEA): 2.99%

Rewards and features

Rewards: 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.
Welcome offer: 18,000 Virgin Points after first purchase within 90 days of account opening
Pay with: Apple Pay, Google Pay, Contactless
Earn rate: 1.5 pts/£1 everyday; 3 pts/£1 with Virgin Atlantic/Holidays
Annual voucher threshold: £10,000 annual spend

Benefits and perks

Extras that come bundled with the card.

No FX fee in EEA

0% foreign transaction fee for EUR, SEK, RON within EEA; 2.99% elsewhere
Annual companion/upgrade voucher

Earn a voucher worth up to 150,000 Virgin Points after £10,000 annual spend (lower threshold than free card)

Eligibility

What you need before you apply.

Minimum income: £7,000 p.a.
Residency: UK residents aged 18+

Virgin Atlantic Reward+ Credit Card: your questions answered

How much does the Virgin Atlantic Reward+ Credit Card cost?

The Virgin Atlantic Reward+ Credit Card costs £160 GBP/yr (≈ $200).

What rewards does the Virgin Atlantic Reward+ Credit Card earn?

The Virgin Atlantic Reward+ Credit Card earns 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..

Does the Virgin Atlantic Reward+ Credit Card charge foreign transaction fees?

Yes - the Virgin Atlantic Reward+ Credit Card charges a 2.99% foreign transaction fee.

What is the interest rate on the Virgin Atlantic Reward+ Credit Card?

The Virgin Atlantic Reward+ Credit Card has a purchase APR of 26.9% - 69.7%.

Does the Virgin Atlantic Reward+ Credit Card have a welcome offer?

Yes - 18,000 Virgin Points after first purchase within 90 days of account opening.

Is the Virgin Atlantic Reward+ Credit Card a credit, debit or prepaid card?

The Virgin Atlantic Reward+ Credit Card is a credit card issued by Virgin Money on the Mastercard network.

Does the Virgin Atlantic Reward+ Credit Card support Apple Pay and Google Pay?

Yes - the Virgin Atlantic Reward+ Credit Card works with both Apple Pay and Google Pay.

Where can I get the Virgin Atlantic Reward+ Credit Card?

The Virgin Atlantic Reward+ Credit Card is currently offered in United Kingdom.

How does DebitCue rate the Virgin Atlantic Reward+ Credit Card?

DebitCue rates the Virgin Atlantic Reward+ Credit Card 4.1 out of 5 (8.2/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Virgin Atlantic Reward+ Credit Card?

Use the Apply now button to continue on Virgin Money's secure site. Comparing and applying through DebitCue is free.