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The Virgin Atlantic credit card programme offers two rewards cards on the Mastercard network: the Virgin Atlantic Reward Credit Card (no annual fee) and the Virgin Atlantic Reward+ Credit Card (£160 annual fee). Virgin Money and Virgin Atlantic credit cards are issued by Nationwide Building Society, trading as Virgin Money.

Both allow cardholders to earn Virgin Points on everyday spending, which can be redeemed through Virgin Atlantic's Flying Club programme for flights, upgrades and other rewards. The paid card earns Virgin Points at twice the rate of the free card across all spending categories, and the annual voucher (redeemable for a flight upgrade, companion ticket, or lounge access) requires half the annual spend on the paid card compared to the free card.

Representative examples

Representative 69.7% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 26.9% p.a. (variable) and a £160 annual fee.

Representative 26.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 26.9% p.a. (variable) with no annual fee.

These representative examples are provided to help you compare products. They reflect the rate offered to at least 51% of successful applicants. The APR you are offered may differ depending on your individual circumstances.

Eligibility and the credit limit you are offered are determined by the lender’s criteria and checks.

Network and Management

The programme is issued by Nationwide Building Society, trading as Virgin Money, and runs on the Mastercard network, which has wide acceptance in the UK and abroad.

How points are earned

The Reward+ card earns 1.5 Virgin Points per £1 on everyday purchases and 3 Virgin Points per £1 spent directly with Virgin Atlantic or Virgin Holidays. The free Reward card earns at half that rate: 0.75 points per £1 on general spending and 1.5 points per £1 on Virgin Atlantic and Virgin Holidays purchases.

The value of Virgin Points depends on how they are redeemed. Using a baseline of 1p per point, the rewards rate on general spending would be approximately 0.75% on the free card and 1.5% on the paid card. Higher values may be achievable through flight upgrades or reward flights; lower values may apply for some redemptions.

Points earned each month are capped based on your credit limit — for example, with a £5,000 credit limit you would earn points on the first £5,000 of purchases each month.

Fees to Consider

The Reward+ card's annual fee is £160. Whether this is offset depends on spending patterns, particularly how much is spent directly with Virgin Atlantic or Virgin Holidays, since this earns Virgin Points at double the general spending rate.

Annual voucher

Cardholders who spend £10,000 in a card year on the Reward+ card, or £20,000 on the free Reward card, earn an annual voucher that can be used for a flight upgrade, a companion ticket, or lounge access. The voucher is valid for 24 months from the date it is issued.

For more information on the cards, please see our Virgin Atlantic Reward Credit Cards Review.