Maximise your Avios, air miles and hotel points

Virgin Atlantic increases credit card bonuses to 10,000 and 25,000 Flying Club miles

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Presumably as a response to American Express increasing the bonus on the two British Airways American Express cards to 9,000 Avios and 25,000 Avios respectively, Virgin Atlantic has boosted the sign-up bonus on its own cards again.

Here is a quick overview of the Virgin Flying Club credit cards. 

Virgin Atlantic 787-9

Virgin Flying Club offer two different credit card options. There is a free ‘White’ card and a £140 fee ‘Black’ card. Each comes in the standard MBNA double-pack of an American Express and a Visa.

Unlike the British Airways American Express cards, MBNA is happy for you to have BOTH of the Virgin cards.  Whilst I would not recommend this, I know that some HFP readers in the past have applied for both at the same time and received both.  This does put you under some pressure to hit the spending targets on both cards at the same time.

The free card is the Virgin Atlantic White Credit Card.

There is NO annual fee with this card, and the sign up bonus is 10,000 Virgin Flying Club miles.  The usual bonus is a paltry 3,000 miles and it never goes above 10,000 miles so this is as good as it gets.

You will receive 3,000 miles immediately and a further 7,000 miles when you spend just £1,000 in the first 90 days. Should you decide to keep the card, you will earn 1 mile per £1 spent on the Amex and 0.5 miles per £1 spent on the Visa.

My full review of Virgin White is here. The application page is here.

The representative APR of the card is 17.9% variable.

Virgin credit card bonus

The more generous fee-carrying card is the Virgin Atlantic Black Credit Card.

This card comes with an annual fee of £140, with a sign-up bonus of 25,000 Virgin Flying Club miles.  The standard offer on this card was recently increased to 18,500 miles, so the additional bonus is only 6,500.

You will receive 18,500 miles immediately and a further 6,500 miles when you spend £2,000 in the first 90 days.

The earnings rate for the Black card is EXCELLENT. You earn 2 miles per £1 on the American Express and a whopping (compared to the competition) 1 mile per £1 on the Visa.

My full review of Virgin Black is here. The application page is here.

The representative APR of the card is 52.0% variable including the fee, assuming a £1200 credit limit.

And vouchers too ….

There are also two long-term incentives available with the Virgin Atlantic cards. The White card offers an upgrade voucher (from Economy to Premium Economy only) for a miles redemption when you spend £10,000, and a second at £20,000. The Black card offers the same vouchers at £5,000 and £10,000.

Both cards also offer what I consider a worthless incentive – a voucher at £15,000 (White) or £7,500 (Black) for a free companion seat (excluding heavy taxes) when you buy a full fare ticket in any class. Who buys full fare tickets, except corporates?

More information on these can be found in the reviews which I link to above.

Terms & conditions

The key facts you need to remember before you apply are:

The application deadline is 31st October, you have 90 days from application to achieve the £1,000 / £2,000 target

MBNA does NOT offer a pro-rata refund when you cancel your card. Your £140 fee for the Black card is a sunk cost. You are therefore (effectively) paying £140 for the additional 15,000 miles on the Black card, since you could get 10,000 miles for £nothing by getting the White card instead.

I don’t think that you can combine this offer with the ‘refer a friend’ bonus I normally offer, which would have got you an additional 3,000 miles. However, this is still a far better deal than the usual bonus, even without the additional 3,000.

How can you earn more miles?

It is very easy to earn further Virgin Flying Club miles to top up your account. The options are numerous:

Transfers from Tesco Clubcard (at a higher rate than BA, £2.50 = 625 Flying Club miles)

Transfers from American Express Membership Rewards (1:1) – transfers from Amex to Virgin are instantaneous as well, once your accounts are linked, unlike transfers to BA

Transfers from Heathrow Rewards (1:1)

Transfers from most hotel programmes, including Starwood Preferred Guest

There are also some hotels which credit to Virgin even though they do not credit to Avios.

Car rentals – Virgin offers a generous 1,000 miles per Hertz rental for example

Receive 5,000 Virgin miles for taking out a Virgin Money ISA

The ‘1 mile per £1’ rate on the Black Visa also allows you to run up miles very quickly

It is also worth remembering that you can transfer Virgin Flying Club miles into Hilton HHonors points (at 2:3) and IHG Rewards Club points (at 1:1).  Getting the free Virgin White card may be a way of giving your Hilton or IHG account a boost.  I would be wary of paying £140 for the Black card, however, as I don’t think 37,500 Hilton points or 25,000 IHG Rewards Club points are worth that much.

Virgin appears to be getting more aggressive in marketing its credit cards and seems to be willing to match British Airways American Express special offers.  Whilst they failed to offer any special deal at all in 2013, I would not worry too much if you do not take advantage of this offer at the moment.  Based on their behaviour so far in 2014, I am sure it will be back.

Want to earn more points from credit cards? – October 2021 update

If you are looking to apply for a new credit or charge card, here are our October 2021 recommendations based on the current sign-up bonus

You can see our full directory of all UK cards which earn airline or hotel points here.

The following offers will end soon:

  • 10,000 Avios on British Airways American Express (ends 2nd November)
  • 40,000 Avios on British Airways American Express Premium Plus (ends 2nd November)
  • 60,000 points on The Platinum Card from American Express (ends 2nd November)
  • 30,000 points on American Express Preferred Rewards Gold (ends 9th November)

Here are the top current deals:

British Airways BA Amex American Express card

British Airways American Express

10,000 Avios for signing up, no annual fee and an Economy 241 voucher for spending ….. Read our full review

British Airways BA Premium Plus American Express Amex credit card

British Airways American Express Premium Plus

40,000 Avios and the UK’s most valuable credit card perk – the 2-4-1 companion voucher Read our full review

Nectar American Express

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 points, FREE for a year & two airport lounge passes Read our full review

American Express Platinum card Amex

The Platinum Card from American Express

60,000 points and an unbeatable set of travel benefits – for a fee Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers.

American Express Business Gold

20,000 points sign-up bonus and free for a year Read our full review

Amex Platinum Business American Express

American Express Business Platinum

40,000 points sign-up bonus and a long list of travel benefits Read our full review

British Airways Accelerating Business American Express card

British Airways Accelerating Business American Express

60,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

Capital On Tap Business Rewards Visa

The most generous Avios Visa or Mastercard for a limited company Read our full review

For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending:

Barclaycard Select Cashback Credit Card

1% cashback and no annual fee Read our full review

Comments (28)

  • HomeKey says:

    just hot anemail from VIrgin flying cluib about changes to there service. They are adding a bunch of flights to selected US routes however the BIG dissapointment is that they are withdrawing flights to Tokyo Narita with the final flight from London to Narita on 31 January 2015 and the final flight from Narita to London on 1 February 2015. CRAZY!!!

  • Manutd123 says:

    I have a Virgin Atlantic Black Credit Card.

    In January 2014, there was a promotion whereby new cardholders would receive 18,500 miles immediately and a further 6,500 miles when you spent £2,000 in the first 90 days.

    This promotion ended on 31st March 2014.

    On 1st April 2014, there was a new promotion whereby new cardholders would receive 18,500 miles immediately and a further 11,500 miles when you spent £3,000 in the first 90 days.

    My application was made and accepted on 2nd April 2014.

    I have received the initial 18,500 miles.

    However, I have incorrectly been credited with 6,500 bonus miles rather than 11,500 bonus miles. I have spent over £3,000 in the first 90 days.

    I have chased Virgin for the remaining 5,000 miles, but they say the offer at the time was 25k not 30k. Headforpoints shows that’s wrong, but they have yet to budge….

  • Max says:

    Be aware Virgin are cutting routes to Japan, South Africa and Vancouver if you were planning on collecting points for those routes.

  • Don says:

    I have 35k VS miles that I should have probably converted to Hilton before the conversion changed. Is there anything I can do with them besides Little Red flights? Perhaps I could boost it to xxk to get a decent UC redemption?

    • Rob says:

      Hilton, IHG Rewards Club, if you get to 37,500 you could get £150-worth of Virgin Voucher or Theatre Tokens.

      A one-way in Upper Class to Dubai or New York should be OK with what you’ve got, though. Come back on Avios!

  • Bob Woodward says:

    Can you please reprise which cards can be churned and which will also receive further bonus points / miles. It would also be helpful if you can highlight those cards which do not attract further bonuse if churned.

    Thanks for such a great site. It has helped me wade through all the gobbledygook to find cards that benefit my particular needs. Please keep up the good work it is much appreciated


    • Rob says:

      Amex – see published rules for each card, Barclays – yes, I recommend 12 months but some find 6 months is OK, Lloyds – no chance, MBNA – were liberal in the BMI days then tightened up. Current rules say you will not get a 2nd bonus but not sure how tightly that is applied.

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