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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
Coronavirus (COVID-19) credit card update What do Virgin Money credit cards offer?  How does Virgin Money compare to other providers? Is Virgin Money a good credit card provider?
Which 0% balance transfer credit card is best? How we calculate Virgin Money's customer score and ratings Virgin Money credit card FAQs

Coronavirus (COVID-19) credit card update

The Financial Conduct Authority (FCA) wants lenders to continue to offer payment holidays on credit cards, loans and other finance agreements in a bid to help ease the financial hardship caused by the coronavirus outbreak.

Keep on top of the latest news and advice related to the COVID-19 pandemic with Which?

What do Virgin Money credit cards offer? 

Virgin Money has a large range of deals to choose from, including 0% balance transfer deals, all-round deals and 0% money transfer credit cards.

  • You can compare Virgin Money credit cards, plus hundreds of other deals, on Which? Money Compare.

How does Virgin Money compare to other providers?

Virgin Money achieved an above-average score of 74% in our latest credit card satisfaction survey, securing joint 9th place.

 

Credit Cards
Virgin Money review
Which? Customer Score
=9th out of 30 credit card providers
74%
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.
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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 satisfaction ratings

 

Star ratings

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.

Customer service

4 out of 5

Application process

4 out of 5

Clarity of statement

4 out of 5

Transparency of charges and penalties

4 out of 5

Dealing with queries

3 out of 5

Dealing with complaints

4 out of 5

Ability to manage online

5 out of 5

Ability to manage by mobile app

5 out of 5

Ability to manage by telephone banking

4 out of 5

Charges for using your credit card abroad

3 out of 5

Which 0% balance transfer credit card is best?

Below are the top five 0% balance transfer credit cards on the market right now.

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 brands searched for online.

Customer scores are based on an online survey of the public, which received 6,537 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend.

Star ratings 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.

 

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.

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

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