Backed by Virgin Money, part of Clydesdale Bank PLC, a UK bank serving millions of customers and regulated by the Financial Conduct Authority.
What you need to know about this credit card
- Annual fee: £160 per year
- Representative APR: 69.7% variable
- Purchase rate: 26.9% p.a. (variable)
- Eligibility: UK residents aged 18+, subject to credit status
Pros
- Generous welcome bonus: Earn 18,000 Virgin Points with your first purchase, no minimum spend required.
- High everyday earning rate: Get 1.5 Virgin Points per £1 on daily spending.
- Bonus airline rewards: Earn 3 points per £1 when spending with Virgin Atlantic or Virgin Holidays.
- Flexible reward seats: Use points on any available Virgin Atlantic seat, not just limited inventory.
- Annual Flying Club voucher: Spend £10,000 yearly and unlock a companion or upgrade voucher.
Cons
- Annual fee required: The £160 fee may not suit occasional travelers.
- High APR: Best suited for users who pay their balance in full each month.
Why choose Virgin Atlantic for your credit card?
Compared to the British Airways Premium Plus Amex, the Virgin Atlantic Reward+ offers more flexible reward seat availability without peak surcharges.
Against the Barclaycard Avios Plus, Virgin Reward+ delivers a faster points-earning rate on everyday purchases.
When stacked next to the HSBC Premier World Elite, Virgin Reward+ has a lower income barrier and simpler rewards structure.
Versus the NatWest Reward Black, Virgin Reward+ focuses purely on travel value rather than mixed cashback.
Compared to the Tesco Bank Clubcard Plus, Virgin Reward+ offers significantly stronger long-haul flight redemption value.
Virgin Atlantic Reward+: let’s get to know it a little better
If you’re ready to earn Virgin Points, enjoy flexible flight rewards, and unlock premium Flying Club benefits, this card is built for you. Click below to start your application today.