How to Apply for your Virgin Atlantic Credit Card
The Virgin Atlantic Reward Credit Card offers a range of benefits for frequent flyers and those who prefer to collect Virgin Points, making it an attractive option for travel rewards.
With the ability to earn points on everyday purchases and bonus points on Virgin Atlantic flights, it is ideal for individuals seeking to accumulate travel rewards.
This card allows users to earn points on all eligible purchases, which can be redeemed for flights, cabin upgrades, or even hotel stays. It comes with flexible reward options, and points never expire, allowing cardholders to accumulate and redeem them at their own pace.
However, it’s essential to consider the interest rate and fees before choosing the card, as these can vary based on the user’s financial circumstances.
Virgin Atlantic Reward Credit Card Benefits
Alongside its rewards program, the card offers several additional perks that enhance the user’s travel experience and financial flexibility. Below are some of the top benefits that this card offers.
Earn Virgin Points on Everyday Spending
One key benefit of the Virgin Atlantic Reward Credit Card is the ability to earn Virgin Points on every eligible purchase. For each £1 spent on everyday purchases, cardholders accumulate points that can later be redeemed for flights, cabin upgrades, or even hotel stays.
This makes it an appealing option for individuals who prefer to turn their daily spending into travel rewards over time.
Earn 0.75 Virgin Points for every £1 spent on everyday purchases.
Bonus Virgin Points on Virgin Atlantic Flights
In addition to earning points on everyday purchases, cardholders also receive bonus Virgin Points when booking Virgin Atlantic flights. This allows frequent flyers to accumulate points at a faster rate, particularly when using the card for Virgin Atlantic services.
Whether traveling for leisure or business, this benefit offers a straightforward way to earn more rewards while flying with the airline.
Earn 1.5 Virgin Points for every £1 spent directly with Virgin Atlantic or Virgin Holidays.
The Virgin Atlantic Reward Credit Card offers 3,000 bonus Virgin Points as a welcome reward to new cardholders. This bonus is granted after the cardholder makes their first purchase with the card, regardless of the amount spent.
It’s a one-time offer designed to help new users get started with their points collection, giving them a head start in accumulating Virgin Points that can later be redeemed for flights, upgrades, or other rewards through the Virgin Atlantic rewards program.
Companion Reward Ticket
The Virgin Atlantic Reward Credit Card also offers a companion reward ticket for cardholders who reach a specific spending threshold within a year. This allows the cardholder to take a companion on a flight by paying just the taxes and fees.
This benefit can provide significant value to those who travel frequently and wish to share their travel experience with a partner or family member at a lower cost.
Flexible Redemption Options
Virgin Points accumulated through the card can be redeemed in a variety of ways, offering flexibility to cardholders. Whether you prefer to use points for flights, cabin upgrades, or other Virgin Atlantic services, the card provides multiple options for point redemption.
Additionally, points do not expire, giving users the freedom to redeem their rewards at their own pace without time constraints.
Prerequisites to Obtain the Virgin Atlantic Reward Credit Card
Below are the key criteria for applying for this card:
- Age Requirement: Applicants must be at least 18 years old to apply for the Virgin Atlantic Reward Credit Card.
- Residential Status: The applicant must be a UK resident to be eligible for this card. This means they must have a valid UK address and typically reside in the country.
- Credit Rating: A good credit score is required to apply. Virgin Money will assess the applicant’s credit history, and those with poor or limited credit may have difficulty being approved.
- Income Requirement: Applicants should have an income of at least £7,000 per annum or a household income of at least £15,000 per annum
- Bank Account: Have a UK bank or building society
About Virgin Money
The Virgin Atlantic Reward Credit Card is offered by Virgin Money, a well-established financial institution in the United Kingdom. Virgin Money was originally launched in 1995 as part of the larger Virgin Group, founded by Sir Richard Branson.
The company provides a wide range of financial services, including banking, savings, mortgages, and credit cards.
Virgin Money has built a reputation for customer-focused services and innovative products, aiming to offer straightforward, transparent financial solutions.
Over the years, the bank has expanded its offerings and grown its customer base, becoming one of the more recognized banking brands in the UK.
In 2018, Virgin Money was acquired by CYBG (Clydesdale and Yorkshire Bank Group), further solidifying its presence in the market. Today, the institution remains committed to offering competitive financial products to UK residents.
Who is the Virgin Atlantic Reward Credit Card for?
The Virgin Atlantic Reward Credit Card is primarily aimed at frequent travelers, particularly those who fly with Virgin Atlantic or Virgin Holidays and want to accumulate travel rewards.
It is suitable for individuals who are interested in earning Virgin Points on everyday spending, as well as those who seek additional perks like companion reward tickets or flight upgrades.
The card is best suited for UK residents with a good credit score who are looking to maximize their travel-related benefits and enjoy flexibility in point redemption for flights and upgrades.
Step by Step to Apply for the Virgin Atlantic Reward Credit Card
To apply for the Virgin Atlantic Reward Credit Card, follow these simple steps:
- Visit the Official Website: Go to the official Virgin Money credit card page to start the application process.
- Check Your Eligibility: Before applying, ensure that you meet the eligibility criteria
- Complete the Online Application: Press the “Check Eligibility” button on the official page (a follow-up of the eligibility check). You will need to fill out the online application form with your personal, financial, and employment details. Ensure that all information is accurate to avoid delays in processing.
- Review the Terms and Conditions: Carefully review the card’s terms and conditions, including interest rates, fees, and other relevant information, before submitting your application.
- Submit the Application: Once you have completed the form and reviewed the terms, submit your application. You should receive a response from Virgin Money within a few days, depending on the completeness of your application and your financial history.
- Download the Virgin Money App: After your card is approved, you can manage your account via the Virgin Money app, available for download on Google Play for Android and the App Store for iOS.
Virgin Atlantic Reward Credit Card Pros and Cons
The Virgin Atlantic Reward Credit Card comes with several benefits, especially for frequent flyers, but like any credit card, it also has some drawbacks that potential cardholders should consider.
Below, we’ll take a look at both the positive and negative aspects of the card, including details on rewards, fees, and rates.
Pros
- No Annual Fee: One of the main benefits of the Virgin Atlantic Reward Card is that it has no annual fee, making it a cost-effective option for users who still want to earn travel rewards without paying extra.
- Earn Virgin Points: With this card, cardholders earn 0.75 Virgin Points per £1 spent on everyday purchases and 1.5 Virgin Points per £1 spent on Virgin Atlantic or Virgin Holidays. This allows users to accumulate points relatively quickly, especially if they regularly spend with Virgin-related services.
- 3,000 Bonus Points: New cardholders receive 3,000 bonus Virgin Points after making their first purchase, which provides an early boost to their rewards balance.
Cons
- High Interest Rates: While the card has no annual fee, it carries a representative APR of 26.9% variable, with a purchase rate of 26.9% p.a. (variable). This high interest rate can be a drawback for users who do not pay off their balance in full each month.
- Points Value and Restrictions: Virgin Points can be redeemed for Virgin Atlantic flights and services, but availability for reward seats may be limited, especially during peak travel times. Additionally, points are mainly tied to Virgin Atlantic services, which restricts their use for non-Virgin-related rewards.
- Eligibility Criteria: The card requires applicants to have a good credit score to qualify, making it less accessible to individuals with poor or limited credit histories. Also, the income requirement can exclude some applicants.
Fees and Tariffs
Here are the main fees and tariffs associated with the Virgin Atlantic Reward Card:
- Annual Fee: There is no annual fee for the Virgin Atlantic Reward Card, making it a more accessible option for users who do not want to pay to maintain the card.
- Representative APR: The representative APR for this card is 26.9% (variable). This includes both the purchase interest rate and any additional charges that may apply based on the cardholder’s usage.
Customer Service
Here are the official channels through which you can seek assistance for the Virgin Atlantic Reward Card:
- Customer Service Phone Number: for general inquiries or issues with your card, call 0800 011 3210
- Mobile Banking App
You can manage your card and get support via the Virgin Money app, which is available for download: