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Virgin credit card review

Find out how Virgin Money has been rated in our latest customer satisfaction survey.

In this article
Virgin Money credit card highlights Virgin Money credit cards: customer rating
Virgin Money's ratings broken down How we calculate Virgin's ratings

Virgin Money credit card highlights

  • All-in-one 0% deals
  • Cheap 0% money transfers
  • Decent travel credit card

Virgin Money credit cards: customer rating

Virgin Money has tumbled to joint 26th in our credit card survey table with a score of 64% - down from 70% last year.

The brand is one of the few providers to combine 0% offers on purchases, money transfers and balance transfers - even on its fee-free travel credit card.

But users were not impressed with the firm's customer service, information about new deals and telephone banking.

Credit Cards
Virgin Money review
Which? Customer Score
=26th out of 29 credit card providers
Which?'s rating for customer satisfaction, 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.
Compare Virgin Money against 29 other credit card providers

Visit Which? Money Compare to find out how Virgin Money's cards compare.

Virgin Money's ratings broken down

Virgin Money credit card satisfaction


Star rating
Customer service

2 out of 5

Application process

3 out of 5

Keeping you up to date with new deals

3 out of 5

Communication of changes to terms and conditions    

2 out of 5

Clarity of statement

4 out of 5

Transparency of charges and penalties

3 out of 5

Dealing with queries

3 out of 5

Dealing with complaints

0 out of 5

Rewards and cash back

4 out of 5

Ability to manage online

0 out of 5

Ability to manage by mobile app

0 out of 5

Ability to manage by telephone banking

2 out of 5

Charges for using your credit card abroad

3 out of 5

How we calculate Virgin's ratings

Credit card providers chosen for our Which? brand reviews are based on the most popular brands searched for online.

Customer scores are based on an online survey of respondents from the public, which received 6,741 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend. 

Star ratings shown for each category are scored independently of the customer score. These surveys are carried out annually and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 respondents to be included in our customer satisfaction tables.