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Virgin Money credit card review

Find out how Virgin Money has been rated for its application process, customer service, mobile app and more in our latest credit card customer satisfaction survey.

In this article
What do Virgin Money credit cards offer?  How does Virgin Money compare with other providers? Is Virgin Money a good credit card provider?
How we calculate Virgin Money's customer score and ratings Virgin Money credit card FAQs

What do Virgin Money credit cards offer? 

Virgin Money has a large range of deals to choose from, including 0% balance transfer cards, all-round deals and 0% money transfer offers.  Credit is subject to status and terms apply.

How does Virgin Money compare with other providers?

Virgin Money achieved a below-average score of 68% in our latest credit card satisfaction survey,  meaning it's near the bottom of our table, in 23rd place out of 26 providers.

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Virgin Money review
Which? customer score
=23rd out of 26 credit card providers
The Which? rating for customer satisfaction is based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
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Is Virgin Money a good credit card provider?

Our survey also reveals how Virgin Money customers rated the provider across 10 categories. 

Find out in the table below how Virgin Money scored for its application process, online account management, telephone banking, mobile app, statement clarity, transparency of charges, overseas usage fees, customer service, query handling and complaint resolution.

Virgin Money credit card customer satisfaction category Star rating
Customer service

3 out of 5

Application process

4 out of 5

Clarity of statement

4 out of 5

Transparency of charges

4 out of 5

Charges for using your card abroad

3 out of 5

Dealing with complaints and resolving problems

3 out of 5

Dealing with queries

3 out of 5

Ability to manage account online

4 out of 5

Ability to manage account by telephone

3 out of 5

Mobile app on a smartphone or tablet

4 out of 5


Star ratings out of five show levels of satisfaction for each category. Where no stars are given, we received too few responses in our survey to award a score.

How we calculate Virgin Money's customer score and ratings

We pick credit cards to feature in Which? brand reviews based on the most popular credit card brands searched for online. 

Customer scores are based on an online survey of the public conducted in May 2021, which received 4,011 responses. Participants could provide answers on up to two credit cards. 

This year’s customer score analysis is based on a sample size of 5,744 credit card experiences in total, and represents overall satisfaction as well as the likelihood to recommend the provider to a friend.

Star ratings for each category are calculated independently of the customer score.

We carry out these surveys annually and update our review pages accordingly. Providers must receive a minimum sample size of 50 respondents to be included in our customer satisfaction tables.


Virgin Money credit card FAQs


Does Virgin Money offer an eligibility check?


Virgin offers a Card Checker tool, which allows you to see your chances of being accepted for one of its credit cards before you apply, without affecting your credit score.


Where are Virgin Money credit cards accepted?


Virgin Money issues its credit cards on the Mastercard network, so you will be able to use the card in millions of places in the UK and abroad.


Do you get air miles with a Virgin Money credit card?


You won’t earn any Flying Club Miles with a Virgin Money credit card, but you will with a Virgin Atlantic credit card.


How will I know what my minimum payment each month is?


Your minimum payment will be clearly displayed on your statement, whether it’s online or on a paper statement. There will also be a date by which you must make the payment. You can ask for it to be changed - for example, to fit in with your payday.

Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.