The Virgin Atlantic Credit Card offers exclusive travel perks designed for frequent flyers and loyal Virgin customers.
With this card, you can earn points on everyday purchases and enjoy rewards like companion tickets and seat upgrades.
This guide will show you how to apply, what you need, and how to make the most of its features.
Understanding the Virgin Atlantic Credit Card
This credit card is tailored for travelers who want to earn Virgin Points and enjoy airline-exclusive rewards.
It combines everyday spending value with premium travel perks.
Key Features
- Earn Virgin Points on every purchase, with higher rates for Virgin Atlantic and partner bookings.
- Bonus points when you meet the minimum spend in the first few months.
- No foreign transaction fees, making it ideal for international travel.
- Anniversary rewards, such as extra points or companion tickets.
- Contactless and mobile wallet compatibility for easy payments.
- Option to add authorized users to help accumulate points faster.
Travel Benefits
- Free companion ticket once you reach a qualifying spend.
- Tier Points toward Virgin Atlantic Flying Club elite status.
- Priority check-in, seat upgrades, and early boarding for eligible members.
- Redeem points for flights, upgrades, hotel stays, and more.
- Access to travel offers and discounts through Virgin partners.
- Protection on travel purchases, including trip delay and baggage insurance (depending on the issuer).
Eligibility and Requirements
Before applying, ensure you meet the basic conditions set by the issuing bank.
These ensure you’re qualified to hold and use the Virgin Atlantic Credit Card responsibly.
Basic Eligibility Criteria
- You must be at least 18 years old.
- You should be a resident of the UK or the U.S., depending on the card version.
- You need a good to excellent credit score.
- You must have a steady income source.
- You should not have recent defaults or bankruptcies.
- You must agree to a credit check as part of the application process.
Required Documents
- Valid ID such as a passport or driver’s license.
- Proof of address, like a utility bill or bank statement.
- Proof of income, such as a payslip or tax document.
- Social Security Number (U.S.) or National Insurance Number (UK).
- Bank account details will be requested for verification.
- Any existing credit account details, if relevant, for the application.
How to Apply for the Virgin Atlantic Credit Card
Applying for the Virgin Atlantic Credit Card is straightforward. Whether you’re in the UK or the U.S., the process is designed to be quick and user-friendly.
Visit the Official Website
- For UK applicants, go to Virgin Atlantic Credit Card UK.
- For U.S. applicants, visit Virgin Atlantic Credit Card
Choose the Appropriate Card
- Select the card version that matches your residency and financial needs.
Complete the Application Form
- Provide your personal information, including name, address, and contact details.
- Enter your employment and income information.
- Include your Virgin Atlantic Flying Club number to link your accounts.
Review and Submit
- Carefully review all entered information for accuracy.
- Agree to the terms and conditions.
- Submit your application for processing.
Await Approval
- In many cases, you’ll receive an instant decision.
- If additional information is needed, the bank will contact you.
- Upon approval, your card will be mailed to you within a few days.
Application Tips
Before submitting your application, it’s essential to prepare properly. These tips will help you avoid delays and improve your chances of approval.
- Check Your Credit Score: Make sure your credit score is in good standing to meet the card’s approval criteria.
- Use a Pre-Eligibility Tool: Some issuing banks offer a checker that won’t affect your credit score and help you assess your chances.
- Gather Your Documents: Prepare your ID, proof of address, and income details in advance to expedite the process.
- Provide Accurate Information: Double-check all the data you input to avoid application rejection due to simple errors.
- Avoid Multiple Applications: Submitting several credit card applications within a short period can harm your credit and decrease your approval odds.
- Read the Terms Carefully: Understand the card’s fees, rewards, and repayment expectations before making a commitment.
Fees, Interest Rates, and Spending Limits
Understanding the financial aspects of the Virgin Atlantic Credit Card is crucial to determine if it aligns with your spending habits and travel goals.
Below is a detailed breakdown of the fees, interest rates, and spending limits associated with the card:
Virgin Atlantic Reward Credit Card
- Annual Fee: £0
- Purchase Interest Rate: 26.9% p.a. (variable)
- Representative APR: 26.9% (variable)
- Credit Limit: Typically starts at £1,200; subject to individual assessment
- Foreign Transaction Fees: No fees for transactions in Euros, Swedish Krona, or Romanian Lei within the EEA; a 2.99% fee applies to other currencies
- Balance Transfer Fee: 3%
- Late Payment or Overlimit Fee: £12
Virgin Atlantic Reward+ Credit Card
- Annual Fee: £160
- Purchase Interest Rate: 26.9% p.a. (variable)
- Representative APR: 69.7% (variable)
- Credit Limit: Typically starts at £1,200; subject to individual assessment
- Foreign Transaction Fees: No fees for transactions in Euros, Swedish Krona, or Romanian Lei within the EEA; a 2.99% fee applies to other currencies
- Balance Transfer Fee: 3%
- Late Payment or Overlimit Fee: £12
U.S. Virgin Red Rewards Mastercard®
- Annual Fee: $0
- Purchase APR: Variable rates of 20.49%, 24.49%, or 28.49%, depending on creditworthiness
- Balance Transfer APR: Same as purchase APR
- Foreign Transaction Fees: None
- Late Payment Fee: Up to $40
- Returned Payment Fee: Up to $29
Spending Limits and Points Cap
The Virgin Atlantic Credit Card limits point earnings each month based on your credit limit. Here’s a simplified breakdown of how it works:
How the Points Cap Works
- Monthly Cap: You earn points only up to your credit limit each billing month.
- Resets Monthly: The limit refreshes on your statement date.
- Bonuses Not Capped: Promotional or sign-up bonuses aren’t affected by this cap.
- Earning Rates
- Reward Card: 0.75 points per £1 on regular spend, 1.5 on Virgin Atlantic purchases.
- Reward+ Card: 1.5 points per £1 on regular spend, three on Virgin Atlantic purchases.
Example
- £5,000 Limit – Everyday Spend: Max 7,500 points per month.
- £5,000 Limit – Virgin Spend: Max 15,000 points per month.
- Over Limit Spend: Won’t earn points until next month.
This cap helps control rewards and encourages smart monthly budgeting.
Contact Information
If you need assistance with your application or have questions about your Virgin Atlantic Credit Card, please get in touch with our support team using the details below.
UK Customers (Card Issued by Virgin Money)
- Customer Service: 0800 085 3210 (Mon–Fri: 8 am–8 pm, Sat: 9 am–5 pm)
- Card Services & Lost or Stolen Card: 0800 011 3210 (available 24/7)
- Website: virginmoney.com
- Mailing Address: Virgin Money Credit Cards, PO Box 10609, Wigston, LE18 9HA
U.S. Customers (Card Issued by First Bankcard)
- Customer Service: 1-866-285-5359
- Lost or Stolen Card: 1-800-444-6938 (24/7)
- Website: firstbankcard.com/virginatlantic
- Mailing Address: First Bankcard, P.O. Box 2340, Omaha, NE 68103-2340
To Sum Up
The Virgin Atlantic Credit Card is a smart choice for frequent travelers who want to earn points and enjoy exclusive flying benefits.
With generous rewards, tier perks, and flexible redemption options, it offers real value for your spending.
Apply today and start unlocking travel perks every time you use your card.
Disclaimer
Rates, fees, and benefits mentioned are subject to change and may vary based on your location and credit profile.
Always review the official terms and conditions provided by the card issuer before applying for the card.
