Two credit cards in one: an American Express and a Visa
Up to 4 Flying Club miles for every £1 spent
6,000 bonus miles with the first card purchase within 90 days
Earn free upgrades and companion tickets
Virgin Atlantic Black credit card
Everything you need to know about this credit card, including how to apply, our review and the small print.
Available to those who are:
- Aged 18 or over
- UK resident
- Hold a bank or building society account
Please ensure you meet the above criteria before applying, or it could adversely affect your credit rating.
| Representative Example: 18.9% p.a. variable on purchases. This is equivalent to 47.2% APR representative variable based on a credit limit of £1,200 and including a £140 annual fee. Virgin Money, Discovery House, Whiting Road, Norwich, NR4 6EJ |
What's on offer?
Main summary of this credit card's rates, rewards and services.
 Purchases: |
 Balance transfers: |
Money transfers: |
 Rewards: |
 Cardholder services: |
|---|---|---|---|---|
| 18.9% p.a. variable | 0% for 6 months 18.9% p.a. variable thereafter 2% transfer fee (£3 min) |
0% for 6 months 18.9% p.a. variable thereafter 2% transfer fee (£3 min) |
Virgin Flying Club Miles Premium Economy Reward Upgrade Complimentary Companion Reward Flight 10% off Virgin Holidays Extra points on Virgin spending 6,000 bonus miles |
Online Account Management Fraud Guarantee Active Fraud Monitoring |
Further details and the small print
A closer look at the rates, rewards, services and our review of this credit card.
What we think
Our review and how this deal compares
Please read this first:
This review is based on general information about how the product compares in the market, it shouldn't be taken as a recommendation or advice.
Please see below for more important information relating to the content of this page.
Application criteria
| Detail | |
|---|---|
| Only apply if you are: | - Aged 18 or over - UK resident - Hold a bank or building society account |
Interest rates
| Detail | Additional | |
|---|---|---|
| Representative APR (variable) | 47.2% APR | Including a £140 annual fee. Based on a £1,200 credit limit. |
| Introductory Purchases | - | Not offered |
| Introductory Balance Transfers | 0% for 6 months | - |
| Introductory Money Transfers | 0% for 6 months | - |
| Standard Purchases | 18.9% p.a. variable | - |
| Standard Balance Transfers | 18.9% p.a. variable | - |
| Standard Money Transfers | 18.9% p.a. variable | - |
| Standard Cash Advances | 20.9% p.a. variable | - |
Fees and charges
| Detail | Additional | |
|---|---|---|
| Balance Transfer fee | 2% (£3 min) | - |
| Money Transfer fee | 2% (£3 min) | - |
| Cash Advance fee | 2% (£3 min) | - |
| Foreign fee | 2.75% | This fee is charged for transactions made in non-sterling currency. |
| Annual fee | £140 | - |
| Default charges | £12 | This charge is made for late payments, returned payments and exceeding the credit limit. |
Repayment details
| Detail | Additional | |
|---|---|---|
| Credit limit | £1,200 assumed | 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, money transfers or cash advances - except for those within an interest free promotional offer. |
| Minimum monthly payment | 1% (£25 min) | The full statement balance if it is £25 or less; or the greater of £25 or 1% of the balance on the statement before any default charges, card fees and interest (to which the card provider will then add an amount equal to the default charges, card fees and interest); plus the amount of any arrears, which are repayable immediately. |
| Allocation of payments | Highest rate first | Payments will be allocated to amounts that are charged at higher interest rates before those that are charged at lower interest rates. - If the provider charges interest at the same rate on different parts of the balance, they will allocate your payment to the introductory rate first. - If two or more introductory rates are the same they will pay off the introductory rate with the earliest start date first. - If the introductory rates have the same start date then they will pay off that part which will be charged at the highest standard rate at the end of the introductory period. - They will then apply your payment to balance transfers, cash advances, money transfers and purchases, in that order. |
Rewards and discounts
| Detail | |
|---|---|
| Virgin Flying Club Miles | - Earn 2 Flying Club miles for every £1 spent on the Virgin Altantic Black American Express credit card
- Earn 1 Flying Club miles for every £1 spent on the Virgin Altantic Black Visa credit card
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. |
| 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. |
| 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. |
| 10% off Virgin Holidays | Get 10% discount when you book a Virgin Holidays package directly with Virgin Holidays. Offer only available with phone bookings and terms apply. When paying by credit card a 2% surcharge will apply. |
| Extra points on Virgin spending | - Virgin Atlantic, Virgin Holidays and Regus business centres earns extra points. - Earn 4 Flying Club miles for every £1 with the AmEx card and 2 Flying Club miles for every £1 spent with the Visa card - Virgin Atlantic flights also earn additional miles |
| 6,000 bonus miles | 6,000 bonus miles available with first purchase made within 90 days of account opening on either credit card. |
Cardholder services
| Offered | Additional | |
|---|---|---|
| Online account management |  |
The account can be managed online. Optional paperless statements. |
| Fraud Guarantee | |
There is no liability or excess to pay for theft, loss or fraudulent use online or on the high street, 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 | |
MBNA will monitor your account for any suspicious activity. They also offer a purchase disputes team and a 24/7 365 helpline. |
| Identity Protection |  |
- |
| Credit Report Access | |
- |
| 3D Secure | |
- |
| OneTouch Payments | |
- |
| Purchase Protection Insurance | |
- |
| Purchase Delivery Insurance | |
- |
| Comprehensive Travel Insurance | |
- |
| Travel Accident Insurance | |
|
| Travel Inconvenience Insurance | |
|
| Assistance Abroad | |
- |
| Emergency Card Replacement | |
- |
Please read the following notice:
The review on this page is intended to provide general information only and does not attempt to give advice that relates to your specific circumstances. If you are unsure as to the suitability of any financial product, you should discuss this with an independent financial advisor.
While we make every effort to ensure and maintain current and accurate information on this site and the review on this page will be periodically updated inline with product changes, it could contain rates, deals or facts which have now changed and therefore should not be solely relied upon.
You should check the full details of any product with the relevant provider before applying, and you are advised to conduct your own research as well.
We aim to provide free reviews and comparisons of consumer products. To keep the site free, we are paid by some providers when new customers take products after they've clicked on our links. We don't allow our editorial content to be affected by those links, however we may not include all of the products available in the market.
Please read our full disclaimer for other important information that relates to the information and service we provide and your use of this site.
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