Virgin Atlantic Reward Credit Card review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Our verdict
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.
Key facts
- Best for
- Clearing an existing balance while earning cashback, with a 21 interest free transfer window.
- APR
- 27.9% (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Balance transfer intro period
- 21 months (Source, checked September 26, 2026)
- Balance transfer fee
- 2.95% (Source, checked September 26, 2026)
- Perks
- 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 (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Nationwide Building Society (trading as Virgin Money) (Source, checked September 26, 2026)
- Headquarters
- United Kingdom (Source, checked September 26, 2026)
- Support channels
- Chat, Help-centre, Phone (Source, checked September 26, 2026)
- Features
- Rewards
- Official website
- virginmoney.com
Debit cards
- Monthly fee
- £0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Legal entity
- Nationwide Building Society (trading as Virgin Money) (Source, checked September 26, 2026)
- Headquarters
- United Kingdom (Source, checked September 26, 2026)
- Support channels
- Chat, Help-centre, Phone (Source, checked September 26, 2026)
- Features
- Rewards
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- LinkedInXfacebook.com
Pros and cons
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.
- A balance transfer costs 2.95% against 21 of interest free running, and the same account pays cashback on everyday spending while that happens.
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.
- The reward is cashback alone, with no points or miles scheme listed among the Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases and Money transfer option for anyone who prefers a points balance.
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.
Rewards and perks
Rewards on this card are paid as cashback, so spending comes back in money rather than a points balance or miles. The listed Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases and Money transfer option set out what comes with it: an interest free period on purchases as well as on balance transfers, a money transfer option, Virgin Money Cashback offers inside the credit card app, and access to Virgin Money Rewards and Virgin Red offers. Cashback offers are pushed through the app rather than posted out, and chat in the app with Redi runs day and night, so a question about an offer or a transfer can be picked up without waiting on a phone line. For a card whose main draw is the transfer window, the cashback is the part that pays on everyday spending while a balance is cleared. Points sit with 19.8% of the cards on the site and miles with 2%, so cashback is the more common reward shape among the cards listed here.
Using it day to day
The account runs as a debit card, so everyday spending draws on money already in the account rather than a prepaid balance or a credit line. That shapes what a reader does with it: keep an eye on the balance, and treat a disputed charge as something to raise rather than something the card covers on your behalf. Knowing where to go when something needs checking matters more than the card admin itself, and that is what the support mix is for. chat, help centre and phone cover the routes, with a help centre for looking things up, phone for anything urgent around a payment, and chat for a live answer without a queue. Card admin is mostly small, such as checking a charge or moving money between accounts, and the app handles the routine parts of that. The longer conversations tend to be about interest and payments, and those are the cases where the phone line earns its place, with the chat channel holding the quicker questions in between.
Who runs it
The card is issued by Nationwide Building Society (trading as Virgin Money), based in the United Kingdom, so the name on the front of it sits under a building society rather than a standalone fintech. That structure matters for anyone checking who stands behind a balance: the Prudential Regulation Authority licence for this issuer is 106078, and it is that company, not the brand, which answers for the account. The reference is worth keeping, because a reader weighing cards from several providers can check the same number against each issuer. Support follows the same path. chat, help centre and phone are run by the same operation, so a chat and a phone call land in the same place as the balance itself rather than being passed to an outside partner. Head office in GB also tells a reader which complaint route applies. For a product that both spends the holder's own money and extends credit, the issuer and its licence are the pieces to look at before applying.
How Virgin Atlantic Reward Credit Card compares
9.3 vs 9.4
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 9.2
9.3 vs 8.8
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 9.0
9.3 vs 8.8
9.3 vs 8.8
9.3 vs 8.7
9.3 vs 9.2
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.8
9.3 vs 9.6
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 8.8
9.3 vs 8.8- 9.3 vs 8.8
- 9.3 vs 8.8
9.3 vs 8.8- 9.3 vs 8.8
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.3
9.3 vs 8.2
9.3 vs 8.0
9.3 vs 8.0
Where Virgin Atlantic Reward Credit Card is available
- Available
- United Kingdom
- Licence in United Kingdom
- Prudential Regulation Authority (106078), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
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.
Who issues the card and is it regulated?+
The issuer is Nationwide Building Society (trading as Virgin Money), based in the United Kingdom. It holds a Prudential Regulation Authority licence, reference 106078, which is the body to check when a reader wants to know who stands behind the balance. The brand name on the card is the trading name of that company.
What rewards does the card pay?+
Rewards are paid as cashback, so spending comes back as money rather than a points balance. The listed Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases and Money transfer option add the detail: Virgin Money Cashback offers in the credit card app, plus Virgin Money Rewards and Virgin Red offers. Cashback is the only reward type listed in the site's cashback ranking, at 100%.
Is this a credit card or a debit card?+
It is a credit card, so it is a credit line rather than a prepaid balance. The account attached to day to day spending is listed as debit, so the money behind that side is the holder's own. Both parts come from Nationwide Building Society (trading as Virgin Money), so a reader can hold the pair without changing provider.
How do I get help if something goes wrong?+
Support runs through chat, help centre and phone, so there is a help centre for looking things up, phone for anything urgent, and chat for a live answer. The card app adds chat with Redi day and night, which is the quickest route for a question about a charge or a transfer. The same operation answers on every channel.
How does the rate compare with other cards?+
Purchases run at 27.9%, above the typical 20.97% on the site. For comparison, the AXI Card Tarjeta y Credito is listed at 21.59% and the Starling Personal Account Debit Card at 15%, though those serve different jobs. The Varo Believe Secured Credit Card shows 0%.
What does it cost to spend in another currency?+
The account side lists a currency conversion fee of 0%, and the median across the site is 1%, so foreign spending is the one place the headline rate does not tell the whole story. The purchase rate of 27.9% still applies to any spend left outside the interest free period, so check the conversion figure before travelling.
Sources
- uk.virginmoney.com/cards checked September 26, 2026
Backs: Support channels
“Need help? Get 24/7 support with your credit card from Redi, our digital host. Start a chat in the app for instant answers to your questions. Visit the help centre. Calls are charged at your service...”
- uk.virginmoney.com/cards/products/all-round-cards checked September 26, 2026
Backs: APR, Balance transfer fee, Balance transfer intro period, Card kind, Features, Headquarters, Legal entity, Perks, Rewards type, Licences
“All round credit cards. Representative example: If you borrow £1,200 at a purchase rate of 27.9% (variable) a year, your representative APR is 27.9% APR (variable).”
- uk.virginmoney.com/current-accounts/compare-accounts checked September 26, 2026
Backs: Monthly fee
“M Plus Account - Monthly fee for maintaining the account: None”
- uk.virginmoney.com/current-accounts/pca checked September 26, 2026
Backs: Card type, Currency conversion fee
“a contactless debit card that works worldwide”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Annual fee.
Virgin Atlantic Reward Credit Card
Clearing an existing balance while earning cashback, with a 21 interest free transfer window.