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Card highlights

Earn on everyday spending

1.5 Virgin Points

for every £1 spent on everyday purchases*

Earn double points

3 Virgin Points

for every £1 spent direct with Virgin Atlantic or Virgin Holidays*

Balance transfer rate 0% for 6 months

then 26.9% p.a. (variable). 3.00% fee

Money transfer rate 0% for 6 months

then 26.9% p.a. (variable). 3.00% fee

Representative example

Purchase rate The purchase rate is the interest rate we will charge on any purchases you make with your Virgin Money Credit Card. When you open your account you may be offered a purchase rate. After that, we'll increase it to the rate shown here. 26.9% p.a. (variable) on card purchases
Equivalent to APR stands for Annual Percentage Rate. It is made up of the standard interest rate on purchases, outside of any promotional rate, along with any other charges you may have to pay. You can use this rate to compare different credit cards. 69.7% APR representative (variable)
Based on borrowing £1,200 Credit limits will vary based on your individual circumstances.
Annual fee £160

*The points you can earn each month are capped based on your credit limit. If your credit limit is £5,000, you'll earn points on the first £5,000 of card purchases in a month. If you spend more than that, then you won't earn points on any additional spending. We'll reset the counter every month on the date of your credit card statement.

All promotional rates start from the date your account is opened and apply to transfers made in the first 60 days. 5% handling fee will apply to any balance and money transfers made after the first 60 days. If we do not receive the minimum payment when it is due or you go over your credit limit, we will withdraw the promotional rate with effect from the start of that statement period.

Red hot rewards

  • Earn a whopping 18,000 Virgin Points with your first card purchase, as long as it's made within 90 days of taking out the card.
  • 1.5 Virgin Points for every £1 spent on everyday purchases. Restrictions apply, see T&Cs.
  • 3 Virgin Points for every £1 spent with Virgin Atlantic or Virgin Holidays. Restrictions apply, see T&Cs
  • Unlock unforgettable upgrades to Premium or Companion tickets when you spend £10,000 in a year.
  • There’s over 200 ways to spend your Virgin Points! Spend them hotels, flights, cinema tickets, epic experiences or everyday treats.
  • Get cashback in your hands when you shop with selected top brands. Learn more

A quick check

To be accepted for a Virgin Atlantic Credit Card, you’ll need to meet the following criteria:

  • You’re a UK resident aged 18 or over (the same goes for any additional cardholders you want to add)
  • You have a UK bank or building society account
  • You have a good credit history, with no missed payments or County Court Judgments on your credit file
  • You have an income of at least £7,000 per annum, or a household income of at least £15,000 per annum
  • You don’t already have a Virgin Atlantic Reward+ Credit Card or have closed one in the last 6 months. If you have - don’t worry, you can apply for our Reward card instead

See if you're eligible

Use our card checker to find out if you’re eligible for a Virgin Atlantic Credit Card. You’ll get a decision in minutes.

  • It’s quick and easy - just tell us a little bit about you
  • Using card checker has no impact on your credit score
  • Apply with confidence – we'll use the details you share in card checker to help complete your application quicker
Check eligibility

The legal bits

Time to give your scrolly finger a workout

You’ll need to make your minimum payment when it’s due. If we do not receive the minimum payment when it’s due, or you go over your credit limit, we will withdraw the promotional rate with effect from the start of that statement period.

When a promotional rate ends or is withdrawn, we charge the current standard interest rate that applies to that transaction.

You will not be able to transfer a balance from another Virgin Money, Clydesdale Bank, Yorkshire Bank or B credit card and should not use your card to repay other borrowing from Clydesdale Bank plc.

Credit is available, subject to status, only to UK residents aged 18 or over.

When you apply for a credit card, we check your credit report to ensure we are lending responsibly. This check stays on your credit report. It may be used by other providers to decide whether to offer you their lending products.

The Virgin Atlantic Credit Card is issued by Clydesdale Bank plc (trading as Virgin Money). Registered in Scotland (Company No. SC001111). Registered Office: 177 Bothwell Street, Glasgow, G2 7ER. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Virgin Money adheres to the Standard of Lending Practice which are monitored and enforced by the Lending Standards Board: www.lendingstandardsboard.org.uk

Your copy of the Statement of Lender and Borrower Responsibilities