Virgin Atlantic credit card (9 point review)

In this brief guide, we are going to discuss the Virgin Atlantic credit card, how to get the best credit card rates for yourself and how to manage your credit card.

The Virgin Atlantic credit card is provided by Virgin money.

When researching the Virgin Atlantic credit card we sought out to find reviews for this particular card but couldn’t locate any credible reviews. We then looked at the reviews for virgin money who provide the Virgin Atlantic credit card as this would provide us with an indication on how the customer service for the Virgin Atlantic credit card would be.

You can see the virgin money reviews we found here.

The Virgin Atlantic credit card

You can check if you are eligible for the Virgin Atlantic credit card by using the credit card eligibility checker from virgin money. You can find it here.

There are two main types of Virgin Atlantic credit card:

Virgin Atlantic Reward Credit Card

Virgin Atlantic Reward + Credit Card

Virgin Atlantic Reward Credit Card

With the Virgin Atlantic reward credit card, you can and earn a bonus of 5,000 miles with your first card purchase within 90 days of opening your account. You can also get an additional bonus of 2,000 miles if you apply for the Virgin Atlantic Reward credit card before the 31st October 2019 and spend  £1,000 within 90 days of opening your account.* Terms apply to this offer so be sure to read the terms and conditions.

With the Virgin Atlantic reward credit card, you will also earn 0.75 flying club miles for every £1 you spend on card purchases.

If you spend £2o,000 a year then you will unlock further exclusive benefits such as flight upgrades, companion flights etc.

Representative example:

Purchase rate: 22.9% p.a.

(variable) on card purchases

Equivalent to: 22.9% APR

representative (variable)

Based on a credit limit of: £1,200

The Virgin Atlantic Reward credit card does not have an annual fee and the credit limit you receive will be based on your individual circumstances.

Virgin Atlantic Reward + Credit Card

With the Virgin Atlantic Reward + credit card you will earn 15,000 bonus miles with your first card purchase within 90 days of opening your account. You Will Also get an additional bonus of 10,000 miles if you apply for the Virgin Atlantic reward +credit card before the 31st October 2019 and spend  £3,000 within 90 days of opening your account.* There are terms and conditions which apply to this offer so be sure to reach the terms and conditions.

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You will also earn 1.5 Flying Club miles for every £1 you spend on card purchases. If you spend at least £10,000 in a year on your Virgin Atlantic Reward + credit card. You will also unlock exclusive benefits such as flight upgrades or companion flights. There are terms and conditions for this so please read the relevant terms and conditions document.

You will also get free Boingo Wi-Fi for Mastercard cardholders at 1 million worldwide hotspots.

Representative example:

Purchase rate: 22.9% p.a.

(variable) on card purchases

Equivalent to: 63.9% APR

representative (variable)

Based on a credit limit of: £1,200

The Virgin Atlantic reward + credit card has an annual fee of £160 and the credit limit you receive will be based on your individual circumstances.

On the rewards available with either of this Virgin Atlantic credit cards, Virgin money states on its website:

“  Virgin Atlantic Reward+ and Reward Credit Card Flying Club Tier Rewards

When you spend £10,000 on card purchases with your Virgin Atlantic Reward+ Credit Card, or £20,000 on card purchases with your Virgin Atlantic Reward Credit Card, within twelve months of your account opening anniversary date, you’ll be eligible to receive a Virgin Atlantic reward to your Flying Club account. Depending on your Flying Club tier, you can choose how to use your reward.  

Only one Virgin Atlantic reward may be earned in a twelve-month period. Your year will reset on your credit card anniversary date.

Once you have spent the specified amount on card purchases with your Reward or Reward+ card, the reward will be credited to your Flying Club account. It will be available to redeem for 24 months from the point it was issued.

Your membership tier within Flying Club (Red, Silver or Gold) will determine how you can use your Virgin Atlantic reward. Regardless of your tier when you earn the benefit and when it is credited to your Flying Club account, it’s your tier when you spend your reward that determines the choice of available reward.

Virgin Atlantic Reward+ and Reward Credit Card Flying Club Red member rewards

Flying Club Red members can choose one reward from:

A Premium upgrade. Spend your miles for an Economy cabin reward flight and receive an upgrade to Premium with no additional miles required.  

A companion reward ticket in Economy. Spend your miles for a reward booking in Economy and take one companion with you in the same cabin for no additional miles.  

Virgin Atlantic Reward+ and Reward Credit Card Flying Club Silver member rewards

Flying Club Silver members can choose one reward from:

A Premium upgrade. Spend your miles for an Economy cabin reward flight and receive an upgrade to Premium with no additional miles required. 

A companion reward ticket in Economy or Premium. Spend your miles for a reward booking in Economy or Premium, and take one companion with you in the same cabin for no additional miles. 

One Clubhouse pass allowing access to our London Heathrow or London Gatwick Clubhouse when flying with Virgin Atlantic.  Each pass provides access to one person on one occasion. No additional guests can be permitted. 

Virgin Atlantic Reward+ and Reward Credit Card Flying Club Gold member rewards

Flying Club Gold members will be eligible to choose one reward from:

A Premium upgrade. Spend your miles for an Economy cabin reward flight and receive an upgrade to Premium with no additional miles required.  

A companion reward ticket in Economy, Premium or Upper Class. Spend your miles for a reward booking and take one companion with you in the same cabin for no additional miles.  

Two Clubhouse passes allowing access to our London Heathrow or London Gatwick Clubhouses.  Each pass provides access to one person on one occasion. No additional guests can be permitted.  “

Managing your Virgin Atlantic credit card

You can manage your Virgin Atlantic credit card online here. You will be able to see your miles balance here, make credit card repayments and find out what your current outstanding credit card balance is.

To manage your Virgin Atlantic credit card you will need to register for the online portal. To do this you will need a registration code which would have been sent to you once you signed up for the Virgin Atlantic credit card.

Once you have registered to the online portal you will then need to activate your Virgin Atlantic credit card before you can begin using it. Once this is done you will be able to view all the transactions on your Virgin Atlantic credit card, make credit card repayments and start a balance transfer.

How to activate your Virgin Atlantic credit card

To activate your Virgin Atlantic credit card

You’ll need 

Your Virgin Atlantic Credit Card number

Your Registration code. You’ll find this in your emails. Remember to check your junk folder, it may be there.

Alternatively, you can call Virgin to activate your card on 0800 917 7491.

How to view your Virgin Atlantic credit card pin

To view your Virgin Atlantic credit card pin you should log in to your virgin account online, click on “find services” and then click on “view pin”

You’ll be sent a 6-digit access code to your registered mobile phone number. This will expire 5 minutes after it’s sent, so look out for it.

Enter the code, hit ‘Submit’ and follow the instructions to view your pin.

What to consider when getting your credit card?

Whilst the Virgin Atlantic credit card may be right for you, there could also be other potential credit cards which suit you better. It is always advisable to use a credit card eligibility checker 

Which provides you with all the credit cards you may be eligible for outside of the Virgin Atlantic credit card.

When comparing multiple credit cards; below are the things you should look out for before applying.

Eligibility

Each card issuer will have its own lending criteria that you will need to meet before they will provide you with an offer of credit. T

here are now credit card eligibility checker platforms which let you know which credit cards you are eligible for and which you have a high probability of getting on application. 

Most credit card providers now have their own credit card eligibility systems in place which will let you know if you will be approved for a credit card with them or not. 

These tools use a soft credit check t pull your credit file data and hence does not leave any footprints which are visible to the public or harm your credit score.

You should avoid applying for a credit card if you are not confident you will be accepted as rejections for credit could damage your credit score and history. This may then affect your ability to get further credit in the future.

Interest rates

When getting a credit card, the interest rates on the credit card are a very important factor and you should always lookout for the APR figure. 

The interest rates on the credit card are the rates that will be charged on any outstanding credit card balance which you carry over from one month to another.If you pay your credit card balance in full each month then you will not have any interest to pay.

Credit cards typically come with up to 55 interest-free days on purchases if you don’t carry a balance month-to-month.

Credit limits

You should look at the credit Credit limits when choosing a credit card provider as the credit card limits will determine how much you can spend on your credit card. Most credit card providers may offer you a credit limit increase if you can show good credit behaviour over a few months.

Rewards and perks

Credit card providers offer various rewards and perks but usually, these are reserved for applicants with high credit scores.

Fees

Some credit card providers will have annual fees on their credit cards but these are usually for credit cards with high credit card limits and lots of rewards or perks.

You should always check what fees are attached to your credit card. These can include annual or monthly account fees, cash advance (withdrawing cash using the card) fees, overseas transaction fees and others.

In this brief guide, we discussed the Virgin Atlantic credit card. If you have any questions or comments then please let us know.

If you need financial advice and you live in the UK then you could contact the Money Advice service over the phone or via chat for impartial advice.

You can also contact the debt charity “Step Change” if you are in debt and need help.