Virgin Atlantic Credit Card Review
The Virgin Atlantic credit card is an American Express card with a difference. Virgin Atlantics popular frequent flyer scheme – Flying Club allows you to collect Flying Club miles to earn free flights and upgrades on Virgin Atlantic flights. And with the Virgin Atlantic credit card – you can earn those rewards even faster. There are 2 Virgin Atlantic cards – the white card and black card.
The white card offers 0% on balance transfers for 6 months and a standard APR of 17.9%. You earn 1 flying club mile for every Pound spent on the card and 2 Flying Club miles for every Pound spent with Virgin Atlantic or Virgin Holidays. And to get you off to a good start you get 3,000 miles the first time you use your card.
The black card offers 0% on balance transfers for 6 months and a standard APR of 37.1% (This includes an annual fee of £115 – the variable rate for purchases is 18.9%). You earn 2 flying club miles for every Pound spent on the card and 4 Flying Club miles for every Pound spent with Virgin Atlantic or Virgin Holidays. And you get 6,000 miles the first time you use your card.
Both cards offer a complimentary companion reward flight and a Premium Economy reward upgrade when you get to set spending limits.
Details
| Introductory Balance Transfers | 0% |
| Monthly Rate | 0% |
| Period | 6 Months |
| Introductory Purchases | n/a |
| Monthly Rate | n/a |
| Period | n/a |
| Standard APR | 17.9% (White) 37.1% (black) |
| Monthly Rate | 1.456% |
| Cash Advance APR | 20.9% |
| Cash Advance Fee | 2% (Min £2.50) |
| Minimum Payment Required | 2.25% (Min £5) |
| Annual Fee | (£115 black card) |
| Loyalty Points | Flying Club Miles |
| Travel Accident Insurance | £100,000 |
| Free Purchase Protection | None |
| Foreign Usage Fee | 2.75% |
Other Virgin Atlantic Credit Card Features and Benefits
- Apply Online
- Earn free flights and upgrades
- Free Companion Voucher
- Free Premium Economy Upgrades
Virgin Atlantic Credit Card Verdict
The Virgin Atlantic Credit card is one of the best airline credit cards available. With good added value incentives like free premium economy upgrades you could earn some valuable rewards


