Credit card

Virgin Atlantic Reward Credit Card

Points

MASTERCARD

Apply for Virgin Atlantic Reward Credit Card

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Card review

Virgin Atlantic Reward Credit Card

4.7 9.4/10 DebitCue Score Verified Jun 20, 2026

Earn Virgin Points every time you spend

Fee: No fee
Purchase APR: from 26.9%
Interest-free: -
Foreign fee: 2.99%

Rewards

0.75 Virgin Points per £1 on everyday purchases; 1.5 points per £1 with Virgin Atlantic and Virgin Holidays. Annual companion/upgrade voucher triggered at £20,000 spend (valid 2 years). Points redeemable via Virgin Atlantic Flying Club or Virgin Red.

Welcome offer

3,000 Virgin Points after first purchase within 90 days of account opening

Our verdict

What stands out, and where it falls short.

What we like

0.75 Virgin Points per £1 on everyday purchases; 1.5…
Welcome bonus
No card fee

Worth weighing

2.99% foreign transaction fee

Who It Is For

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

Pick it if you are

Anyone who wants a low-cost everyday card
People who want rewards on their spending

Skip it if you are

Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in GBP.

Card fee: No fee
Purchase APR: from 26.9%
Interest-free period: -
Foreign transaction fee: 2.99%
Representative APR: 26.9% variable
Purchase rate: 26.9% p.a. variable
Balance transfer offer: 0% for 6 months (3% handling fee)
Foreign transaction fee (EEA): 0%
Foreign transaction fee (outside EEA): 2.99%

Rewards and features

Rewards: 0.75 Virgin Points per £1 on everyday purchases; 1.5 points per £1 with Virgin Atlantic and Virgin Holidays. Annual companion/upgrade voucher triggered at £20,000 spend (valid 2 years). Points redeemable via Virgin Atlantic Flying Club or Virgin Red.
Welcome offer: 3,000 Virgin Points after first purchase within 90 days of account opening
Pay with: Apple Pay, Google Pay, Contactless
Earn rate: 0.75 pts/£1 everyday; 1.5 pts/£1 with Virgin Atlantic/Holidays
Annual voucher threshold: £20,000 annual spend

Benefits and perks

Extras that come bundled with the card.

No FX fee in EEA (EUR/SEK/RON)

No foreign transaction fee on Euro, Swedish Kronor, and Romanian Lei transactions within the EEA; 2.99% applies outside EEA
Annual companion/upgrade voucher

Earn a reward voucher worth up to 150,000 Virgin Points after £20,000 annual spend, usable for cabin upgrades or companion tickets on Virgin Atlantic

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

Does the Virgin Atlantic Reward Credit Card have a card fee?

No - the Virgin Atlantic Reward Credit Card has no card fee.

What rewards does the Virgin Atlantic Reward Credit Card earn?

The Virgin Atlantic Reward Credit Card earns 0.75 Virgin Points per £1 on everyday purchases; 1.5 points per £1 with Virgin Atlantic and Virgin Holidays. Annual companion/upgrade voucher triggered at £20,000 spend (valid 2 years). Points redeemable via Virgin Atlantic Flying Club or Virgin Red..

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 from 26.9%.

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

Yes - 3,000 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 4.7 out of 5 (9.4/10), 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.