Virgin Atlantic Black Credit Card

Independent review with up to date rates, fees and special offers for this card...

Earn up to 4 Flying Club miles with every £1 spent
6,000 bonus Flying Club miles
Complimentary companion flights and flight upgrades
Useful travel insurance policies

Virgin Money credit card review:Virgin Atlantic Black

Our editors are currently reviewing the Virgin Atlantic Black credit card.

Interest Rates and Fees
		Notes..
Typical APR	31.7% APR (variable)	The typical APR is the rate most people are offered.
Balance Transfers	0% for 6 months Includes transfers to a current account	Payments will be applied towards 0% promotional rates first. Also includes credit card cheques and money transfers. After the 0% balance transfer period ends, any balance remaining will be charged at the standard rate of 18.9% p.a.
Balance Transfer Fee	2% (£3 minimum)	This fee applies to balance transfers, credit card cheques and money transfers.
Cash Withdrawal Rate	20.9% p.a. (variable)	-
Cash Withdrawal Fee	2% (£3 minimum)	-
Annual Fee	£115	-
Foreign Transaction Fee	2.75%	This fee will be charged if you make a purchase or cash withdrawal in a foreign currency.

Rewards
		Notes..
Reward #1	Virgin Flying Club Miles	- Earn 2 Flying Club miles for every £1 spent - Earn 4 Flying Club miles for every £1 spent with Virgin Atlantic or Virgin Holidays - Earn additional miles on Virgin Atlantic flights Flying Club miles can be redeemed for a range of airline flights, hotel stays, holidays, car rental, and more. Flying Club miles remain valid as long as you continue to earn or redeem them. Expiry of Flying Club miles will only occur if you do not earn or redeem any Flying Club miles for a consecutive period of 3 years - after which all Flying Club miles accrued to that point will expire.
Reward #2	6,000 Bonus Flying Club Miles	6,000 bonus Flying Club miles awarded with your first card purchase. - Must be made within 90 days of account opening and you will need to provide MBNA with a valid Flying Club membership number.
Reward #3	Premium Economy Reward Upgrade	Spend £5,000 or more a year on your Virgin Atlantic Black credit card and you'll qualify for a complimentary round trip Economy reward upgrade the next time you use your miles to book a qualifying reward flight in Economy, plus spend another £5,000 in the same year and you'll get another one. This reward is available every year, twice a year.
Reward #4	Complimentary Companion Reward Flight	Spend £7,500 or more a year on purchases with the Virgin Atlantic Black credit card and you'll qualify for one complimentary round trip companion reward flight the next time you book a qualifying flight with Virgin Atlantic. This reward is available every year, once a year.

Cardholder Services & Extras

Online Account Management
Fraud Guarantee		There is no liability or excess to pay for theft, loss or fraudulent use, whether on the Internet or not, as long as you notify MBNA as soon as your card cannot be found or you notice any unsual transactions on your account.
Fraud Monitoring
Identity Protection
Purchase Protection Insurance
Purchase Delivery Insurance
Comprehensive Travel Insurance
Travel Accident Insurance		Up to £250,000 When you use this card to buy travel tickets you and your family will be covered against death or serious injury whilst abroad.
Travel Inconvenience Insurance		- Up to £1,500 Lost Luggage Cover - Up to £500 for Luggage Delays over 48 hours - Up to £250 for Flight Delays over 8 hours Exclusions apply.
Assistance Abroad
Emergency Card Replacement
Other Extras	- 24 hour customer service.
Optional Extras	These are extras that you can choose, but you will have to pay for them. - Payment protection.

Payments & Payment Details
		Notes..
Credit Limit	£1,500 assumed	Maximum credit limit is subject to status.
Interest Free Period	Up to 46 days	For purchases if you pay your statement balance in full and on time every month. There is no interest free period for balance transfers, cheques, money transfers or cash advances - except for those within an interest free promotional offer.
Minimum Monthly Payment	1% (£25 minimum)	If your balance is less than £25 you must repay your balance in full. Otherwise, you must repay the greater of: - £25, OR - 1% of your statement balance before any default charges and interest, plus any default charges and interest on the statement.
Allocation of Payments	Low interest rate balances » Higher interest rate balances	Where there are two or more balances at the same promotional rate they will repaid in the following order: - The one which expires first, Then - If the expiry dates are the same - the one which started first, Then - If the expiry and start dates are the same - the one with the lowest standard rate.
Default Charges	£12	This is how much you will be charged for late payments, returned payments and if you go over your credit limit.

Card Details
		Notes..
Online Application	Yes	-
Card Type	Classic
Payment Company	American Express	The company who provides the payment technology and infrastructure to allow you to use this credit card. Retailers and ATM machines displaying the 'American Express' logo will accept this credit card.
Card Issuer	MBNA	The bank who issues this credit card.
Card Advertiser	Virgin Money	The company who advertises and promotes this credit card.

At a glance

Typical APR:
(variable)

31.7% APR

Purchases:

18.9% p.a.

Balance Transfers:

0% for 6 months
Includes transfers to a current account

2% transfer fee - £3 min

Interest Free Period:

Up to 46 days

Annual Fee:

£115

Rewards:

Virgin Flying Club Miles
6,000 Bonus Flying Club Miles
Premium Economy Reward Upgrade
Complimentary Companion Reward Flight

This card includes:

Online Account Management
Fraud Security
Travel Accident Insurance

You should only apply if you are:

Aged 18 or over
UK resident
Hold a bank or building society account

Review Continued...

Apply Online for Virgin Atlantic Black credit card »

MBNA Europe Bank Limited
Stansfield House
Chester Business Park
Chester
CH4 9QQ
www.virginmoney.com