Find out how every purchase can bring you closer to your next big trip.

The Virgin Atlantic Reward credit card was created for those who want to combine everyday convenience with benefits focused on unforgettable travel experiences.

It offers a simple way to collect points while doing your usual shopping, whether at home, at the supermarket or while travelling.

With a smart rewards programme, the card lets you enjoy exclusive perks without complications and with options that fit your lifestyle.

Want to see how this card can turn purchases into upgrades, flights and more? Keep reading and discover every detail about how it works.

Everything About the Virgin Atlantic Reward Cards: Start Earning Points in Style

Travelling in style just got easier with the Virgin Atlantic Reward credit card. A powerful companion for those who want to turn purchases into unforgettable experiences.

With a sleek design and irresistible advantages, it goes far beyond just being a payment tool. It’s your ticket to incredible rewards.

If you dream of earning miles effortlessly and getting rewarded for it, this card could be the ideal travel companion for your next adventures.

Ready to turn everyday spending into exciting new destinations? Then get set to uncover everything this benefit-packed card has to offer.

The Best Benefits and Rewards for Frequent Travellers

The Virgin Atlantic Reward credit card was designed especially for people who love to travel, earn points and enjoy exclusive rewards with every new purchase.

If you want to turn daily spending into real benefits, these cards are perfect to boost your next international or domestic trip.

Automatic Virgin Points Accumulation

With the Virgin Atlantic Reward credit card, your daily purchases are automatically turned into points. You’ll earn rewards even from your smallest expenses.

You get even more points when shopping with Virgin Atlantic, but also earn well on regular spending such as groceries, takeaways or pharmacy runs.

Welcome Bonus

Right after your first purchase, you receive a generous bonus of points that boosts your balance and brings your next travel reward even closer.

This initial boost makes it easier to get a cabin upgrade or even claim a companion ticket for your next flight.

Annual Reward Voucher

Once you reach the yearly spending threshold, you unlock a special voucher for companion tickets, upgrades or access to Virgin Atlantic lounges.

This exclusive benefit proves your loyalty is valued and rewards you with experiences that make every journey more memorable.

Voucher Validity

The vouchers are valid for 24 months. That means you have plenty of time to plan and use your points at a time that suits you best.

This flexibility is ideal for travellers who want to take things slow and enjoy the benefit with smart planning and peace of mind.

Offers and Cashback Integrated in the App

The Virgin Money app brings personalised promotions and automatic cashback directly to your card, with no need to activate each offer.

So, as well as earning points, you save effortlessly at a variety of partner stores with just a few taps in the app.

Global Acceptance with Mastercard

As a Mastercard, this card is accepted at millions of establishments around the globe. It’s ideal for purchases on any international trip.

You can rely on security, convenience and worldwide coverage, even in destinations where other card providers are not widely accepted.

No Conversion Fees (with Reward+)

Purchases made in euros, Swedish kronor or Romanian leu using the Reward+ card are exempt from currency conversion fees.

This is a great advantage for those who travel frequently to Europe and want to avoid unpleasant surprises on their monthly bill.

Purchase Protection and Guarantees

The card offers extra protection on purchases and fraud cover, keeping you safe if something goes wrong with a national or international transaction.

That means more peace of mind to use your credit limit confidently, knowing the provider is there when you need support.

No Annual Fee

The Virgin Atlantic Reward credit card has a free version available. Perfect for those who want travel benefits without worrying about annual charges.

Even with no annual fee, the card still delivers competitive perks. It’s an excellent choice for both occasional and frequent travellers.

Eligibility Requirements to Apply for the Virgin Atlantic Reward Credit Card

If you’re thinking about applying for the Virgin Atlantic Reward credit card, it’s worth checking the basic requirements to boost your approval chances.

Applications are open to permanent UK residents with valid proof of address who are at least 18 years old.

You’ll need a minimum annual income of £7,000 for the free card and £15,000 per household for the Virgin Atlantic Reward Plus version.

You must also have a good credit history. Applications are assessed based on your financial profile and an instant online credit check.

Step-by-Step Guide to Apply for the Virgin Atlantic Reward Credit Card

Applying for your card is easier than it looks. Just follow the steps below and get ready to travel with exclusive perks.

1. Visit the official Virgin Money website: Head to the website and select the Virgin Atlantic Reward card under the available credit card options.

2. Fill in your personal and financial details: Enter your name, address, annual income and any other information required for the credit check.

3. Wait for the instant credit check: You’ll know quickly if you’ve been approved. In some cases, the provider may request additional documents.

4. Receive your card at home: Once approved, your card is sent to your address. It can be activated straight away through the app or by phone.

Once that’s done, you can start earning points and enjoying your benefits in a practical and secure way.

Virgin Atlantic Reward Credit Card Fees

The Virgin Atlantic Reward credit card comes with a few fees worth noting, especially if you plan to use it for international purchases.

Despite its appealing perks, it’s important to know all the associated charges. That way, you’ll use the card wisely and avoid any surprises.

Annual Percentage Rate (APR)

The APR is the annual interest rate applied if you don’t pay your full balance by the due date.

The Virgin Atlantic Reward credit card has a variable APR. The rate depends on each user’s credit profile.

The free version has an APR of around 26.9 percent, which is typical among reward cards in the UK market.

The Reward Plus version has a higher APR due to the annual fee, reaching about 69.7 percent in the representative example.

Foreign Transaction Fee

Purchases made in foreign currencies may incur a conversion fee of around 3 percent, except for selected currencies under the Reward Plus plan.

If you travel regularly, the Reward Plus version waives these fees for transactions in euros, Swedish kronor and Romanian leu.

That makes it ideal for shoppers in Europe, helping to cut costs on trips, study exchanges or international shopping.

Even so, it’s a good idea to check the local currency before making a foreign transaction with the card.

Cash Withdrawal Interest Rate

Withdrawing cash using the card can be costly. Virgin Money charges 5 percent of the amount withdrawn or a £5 minimum, whichever is higher.

On top of that, interest is charged immediately with no grace period, at rates of up to 29.9 percent annually (variable), from the first day.

This kind of transaction does not earn points and can quickly inflate your bill. It’s only recommended in emergency situations.

To avoid high costs, consider alternatives like bank transfers or digital accounts that offer lower fees for cash withdrawals.

Late Payment Charges

If you miss your payment, you’ll be charged a £12 late fee plus the standard 26.9 percent annual interest rate.

Virgin Money may also suspend benefits, lower your credit limit or affect your credit record. All of this impacts your use of the Virgin Atlantic Reward card.

Staying on top of payments avoids these extra costs and keeps your access to the full rewards programme intact.

Use app alerts or activate direct debit to keep your finances on track and make the most of your card perks.

Conclusion

Having a card that turns spending into amazing travel experiences is more than convenience. It’s a lifestyle for those who love to explore the world.

The Virgin Atlantic Reward credit card offers benefits that make every purchase go further, whether for everyday use or big travel plans.

By understanding its fees, advantages and application criteria, you’ll make the most of the card and avoid any headaches.

Liked what you read? Want to explore more benefit-packed options? Check out the next article and discover the Virgin Money Everyday Cashback Credit Card.