Maximise your Avios, air miles and hotel points

Virgin increases credit card sign-up 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 credit cards.  If some of the text sounds familiar, it is because I have cut and pasted some of it from the last Virgin promotion!

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 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.

(Disclaimer: Head for Points is a journalistic website. Nothing here should be construed as financial advice, and it is your own responsibility to ensure that any product is right for your circumstances. Recommendations are based primarily on the ability to earn miles and points and do not consider interest rates, service levels or any impact on your credit history.)

HFP Virgin Atlantic Rewards credit card

How to earn Virgin Points from UK credit cards (January 2021)

As a reminder, there are various ways of earning Virgin Points from UK credit cards.  Many cards also have generous sign-up bonuses!

You can choose from two official Virgin Atlantic credit cards (apply here, one has a bonus of 15,000 Points):

Virgin Rewards credit card

Virgin Atlantic Reward Mastercard

The UK’s most generous free Visa or Mastercard at 0.75 points / £1 Read our full review

Virgin Rewards Plus credit card

Virgin Atlantic Reward+ Mastercard

15,000 points bonus and the most generous non-Amex for day to day spending Read our full review

You can also earn Virgin Points from various American Express cards – and these have sign-up bonuses too.

Click here to read our detailed summary of all UK credit cards which earn Virgin Points

(Want to earn more Virgin Points?  Click here to see our recent articles on Virgin Atlantic and Flying Club and click here for our home page with the latest news on earning and spending other airline and hotel points.)

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.