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Virgin Money credit card review: Virgin Atlantic White

THE Virgin Atlantic credit card is a great way to speed up your flyer mile earnings without having to pay an annual fee.

Virgin Atlantic Flying Club miles

As a Virgin Atlantic credit card holder you'll be able to earn Flying Club miles on all your credit card spending as well as when you fly with Virgin Atlantic and their partners.

Simply using the Virgin Atlantic credit card to pay for your local grocery shopping or petrol will earn you 1 Flying Club mile for each £1 spent.

Then if you spend with Virgin Atlantic or Virgin Holidays you'll earn 2 Flying Club miles for each £1 spent - in addition to the Flying Club miles awarded for the distance you fly.

On top of all this, is the 3,000 bonus Flying Club miles you'll be given when you use your Virgin Atlantic credit card for the very first time!

Spending your miles

Virgin Atlantic's Flying Club miles are really quite flexible, allowing you to spend them on a range of travel rewards with Virgin and their partner airlines and travel operators, as well as many other rewards from Virgin and partner companies.

You can even choose to pay part miles and part cash, so you can fly as far as you want without having to wait years to earn enough miles for a round trip to Australia!.

Interest Rates and Fees
		Notes..
Typical APR	17.9% APR (variable)	The typical APR is the rate most people are offered.
Balance Transfers	0% for 6 months Includes transfers to a current account	Also includes money transfers and credit card cheques. Payments will be applied towards promotional rate balances first.
Balance Transfer Fee	2% (£3 minimum)	This fee is also charged on money transfers and cheque transactions.
Cash Withdrawal Rate	20.9% p.a. (variable)	-
Cash Withdrawal Fee	2% (£3 minimum)	-
Annual Fee	None	-
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 1 Flying Club mile for every £1 spent - Earn 2 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	3,000 Bonus Flying Club Miles	3,000 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 £10,000 or more a year on your Virgin Atlantic White 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 £10,000 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 £15,000 or more a year on purchases with the Virgin Atlantic White 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 on balance transfers, cheques or money transfers outside of any introductory 0% period. There is no interest free period on cash advances.
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	Lower rate items » Higher rate items	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. MBNA Europe Bank Limited Stansfield House Chester Business Park Chester CH4 9QQ
Card Advertiser	Virgin Money	The company who advertises and promotes this credit card.

Review Continued...

Flying Club Red membership

To take out a Virgin Atlantic credit card you'll first need to join Virgin Atlantic's Flying Club - which is free and easy to do, a link can be found through the Virgin Atlantic credit card application form.

When you join the Flying Club you'll start off with 'Red membership'. Red membership entitles you to earn miles on all Virgin Atlantic flights and partner companies, as well as the miles you'll earn with your Virgin Atlantic credit card.

Red membership also offers exclusive discounts at BCP airport parking and Virgin holidays, as well as special offers from Virgin Atlantic and their partners.

Complimentary companion flights and flight upgrades

The Virgin Atlantic credit card offers a few added bonuses to big spenders when you fly with Virgin Atlantic.

Spend £15,000 on the Virgin Atlantic credit card in a year and you'll get a complimentary round trip ticket for your travelling companion the next time you book a qualifying flight with Virgin Atlantic.

Spend £10,000 on the Virgin Atlantic credit card in a year and you'll get a round trip Premium Economy upgrade the next time you book a qualifying reward flight in Economy.

Virgin Group and Partners

The Virgin Atlantic credit card allows you to earn Flying Club miles that can be spent at a range of Virgin group companies and partner companies too.

You'll also be able to earn additional Flying Club miles when you spend with Virgin and their partners too.

Here are just some of the Virgin group companies and partners you'll be able to earn, spend, or earn and spend Flying Club miles with. Remember, not all Virgin group companies or partner companies offer the ability to both earn and spend miles, so check with each individual partner.

Virgin Group companies:

- Virgin Atlantic: spend and earn miles

- Virgin Holidays: spend and earn miles

- Virgin Balloons: spend miles

- Virgin Experience: earn miles

- Virgin Games: earn miles

- Virgin Vouchers: spend miles

- Virgin Wines: spend and earn miles

- And more...

Partner Airlines:

- Air China: spend and earn miles

- Air Jamaica: spend and earn miles

- Air New Zealand: spend and earn miles

- All Nippon Airways: spend and earn miles

- bmi: spend and earn miles

- Caribbean Star Airlines: spend and earn miles

- Continental Airlines: spend and earn miles

- Delta: earn miles

- Gulf Air: spend and earn miles

- Hawaiian Airlines: spend and earn miles

- Malaysia Airlines: spend and earn miles

- Scandinavian Airlines: spend and earn miles

- Singapore Airlines: spend and earn miles

- South African Airways: spend and earn miles

- US Airways: spend and earn miles

Partner Hotels:

- Hilton HHonors hotels: spend and earn miles

- Starwood hotels & resorts: earn miles

- Maybourme Group: earn miles

- Hyatt hotels and resorts: earn miles

- And more...

Plus many other local partners, car rental partners and even financial services partners too!

Final Word

The Virgin Atlantic credit card is a great way to tot-up your flyer miles - as this card rewards you with Flying Club miles wherever you spend your money!

As a travel reward credit card, this card definitely wins top marks - a great reward scheme and no annual fee - plus you even get to benefit from free travel insurance policies too, just for paying with the card!.

Apply Online for Virgin Atlantic White credit card »