Maximise your Avios, air miles and hotel points

Virgin Flying Club increases credit card sign-up bonus to 10,000 / 25,000 Flying Club miles

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I said that I would write about Virgin Miles Booster today.  However, some more interesting news has popped up as Virgin Atlantic has boosted the sign-up bonus on its credit 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 credit card bonus

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.

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 March, 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.


Want to earn more points from credit cards? – April 2024 update

If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.

In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.

British Airways American Express Premium Plus

25,000 Avios and the famous annual 2-4-1 voucher Read our full review

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & four airport lounge passes Read our full review

The Platinum Card from American Express

40,000 bonus points and a huge range of valuable benefits – for a fee Read our full review

Virgin Atlantic Reward+ Mastercard

15,000 bonus points and 1.5 points for every £1 you spend 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:

British Airways Accelerating Business American Express

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

American Express Business Platinum

40,000 points sign-up bonus and an annual £200 Amex Travel credit Read our full review

American Express Business Gold

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

Capital on Tap Business Rewards Visa

Huge 30,000 points bonus until 12th May 2024 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 Business Credit Card

1% cashback uncapped* on all your business spending (T&C apply) Read our full review

Comments (63)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • Rob says:

    I am typing this in Regus as it happens! You also get two free days use of a private office when you sign up for the free Gold card via Virgin.

    • Alan says:

      I’ve still got my Regus Gold courtesy of UA Gold a few years ago – they don’t seem to expire 😀

      • Tariq says:

        Indeed, I claimed the Regus gold card from my wife’s VS black Amex a couple of years ago – cancelled the Amex card after a year but the Regus card still works very nicely… 🙂

  • Taz says:

    Can you spend on either visa or amex to hit the bonus?

    • Colin JE says:

      From white card Ts and Cs: “3,000 bonus miles will be credited to your Flying Club account after your first card purchase, providing you use either of your cards within 90 days of your account opening and supply your Flying Club membership number to MBNA. A further 7,000 bonus miles will be credited to your account when you apply by 31 March 2015 and spend £1,000 on either card in the first 90 days of your account opening and supply your Flying Club membership number to MBNA.”
      From black card: “18,500 bonus miles will be credited to your Flying Club account after your first card purchase, providing you use either of your cards within 90 days of your account opening and supply your Flying Club membership number to MBNA. A further 6,500 bonus miles will be credited to your account when you apply by 31 March 2015 and spend £2,000 on either card in the first 90 days of your account opening and supply your Flying Club membership number. “

  • christian says:

    Can you have a BA amex and a Virgin amex because this is through MBNA?

    • Alan says:

      Yes, no issue with this at all assuming all OK on the credit check front. If any problems with MBNA and you already have a card with them then they’ll normally let you transfer some of your credit limit across from the existing card to allow the new card to be opened.

  • Trevor says:

    I would have thought that for £140 for the Black card, if you were to transfer to Hilton, you’d get that value back off a 37,500 point redemption. Likewise, with IHG, you could get £140 of value from a 25,000 point redemption. Far more value of course if you were lucky enough to time a redemption with PointBreaks offer, getting 5 free nights. Since at normal redemption rates it would be around a break-even, I’d be hesitant to do the offer just for that. That said, the Newport Hilton is 5,000 redemption, so if you needed a week in southern Wales, you couldn’t go wrong 7 nights with change to spare at £140 outlay. Additionally, there are other 5k redemptions elsewhere, like Egypt/Sharm etc. So on either problem you could do well out of it.

    • Rob says:

      You can buy 25,000 IHG points for ($7 x 25 =) $175, though, via the ‘cash and points cancellation’ trick which makes paying £140 via Virgin a bit pointless – especially as such a person would presumably not bother using the Virgin credit card because they would presumably have no interest in more Virgin miles.

  • Bebbeitaliano says:

    Could I use the black virgin card to pay the tax bill online with the visa and earn 1 avios per pound?

    • Louie says:

      Depends if you are happy to swallow HMRC’s 1.4% charge.

    • BLT says:

      Yes but there is a 1.4% credit card charge for using it

    • Colin JE says:

      Bloody brilliant idea! However, I found this on the web on an HMRC payment page: ” If you pay by credit card you will have to pay a transaction fee of 1.4 per cent. HMRC does not accept American Express or Diners Club cards.” So, not worth it if you’re just looking for points but if you wanted it to hit your bonus target spend of £2,000 and this was your only way of spending maybe it’d be worth it. Paying a £2,000 tax bill by c/card would cost you £28 and get you 6,500 +2,000 points!

  • Colin JE says:

    I applied and got my VA Black card last night when I saw this offer. I already had a VA White card. Interestingly this offer only seems to apply if you go straight to them. I sent a ‘recommend a friend’ to my wife to see if I’d get the 3000 points that VA give but when she clicked on the link sent to her it the MBNA site was showing only the standard point offer. I may have missed out but it looks like this offer is better.

    I had a webchat with Virgin today to see what class of ticket I’d need to use the companion ticket. I couldn’t see myself ever getting the spend on the white card to get one (though I will get an upgrade certificate on its anniversary) but the black seemed do-able.

    Raffles had pointed out that the companion ticket offer was poor, as you had to buy a flexible ticket. For some reason, Virgin have apparently removed the details from their website about the qualifying fares, even though their own Ts and Cs say it’s on the site. According to the Virgin rep for Upper only J class qualifies but for Premium Economy you can buy a W or S class ticket. W is available from Virgin/agents and is expensive, but S, which only Virgin sell, is OK. S is semi-flexible, allows changes of date or destination, but not cancellation. An S class ticket is about £1,400 to LON to NY return. So for about £1,750 inc taxes on the companion ticket you get two PE tickets. Not a ‘wow’ offer but passable. There is one catch, the only way to get your companion to the next class up is to upgrade with cash; you can’t use miles. Of course, you could upgrade your seat with miles but your ‘companion’ would be stuck back in the lower class! Not a great way to start a romantic holiday…

  • RIcatti says:

    I was advised that an upgrade voucher is issued at the anniversary of the card, NOT on hitting the spending threshold.

    • jonathan smy says:

      I can confirm this, the voucher is added upon the anniversary of the card, not once you hit the spend target. Therefore it will cost you 2x annual fee to get the reward voucher.

      • Colin JE says:

        Elsewhere here people have said that the second year’s charge will be refunded if you cancel the card shortly after the anniversary, provided you do not spend any more on it after the anniversary.

        • jonathan smy says:

          Amex offer a pro-rata refund on their cards when accounts are closed. MBNA do not offer a refund so I’m not sure about that. My experience of VirginMBNA’s customer services on the phone, I found them less than amenable and by the book.

      • Matt says:

        I would recommend contacting them through their electronic messaging system so it is logged in your account, the first time I enquired about this I was told:

        “Thank you for your message. I confirm if you close your account before your anniversary date, you will lose your reward upgrades on your account. The account must be open at the time of the anniversary to achieve the upgrades. You can review your monthly miles earned on your statement each month. You can view and download your statements online, just log on and go to your ‘Account Home’ page, then select the month you would like to view or download. Many thanks”

        When I complained that this was not clearly explained in their T&Cs, they replied:

        “Thank you for your message. I have reviewed your query and you must ensure your account is closed before the anniversary date if you do not want to pay the annual fee. However, we may look to refund the fee within 30 days of the it being applied, if you are closing the account. This is providing that you have not benefited from any additional miles from the last anniversary date i.e. that you have not used your card since the fee was applied. If the customer has used their card and earned miles then we may not be able to refund the annual fee. Kind regards.”

        My anniversary date is in the next few weeks so lets see what happens…

    • Charlie says:

      I cancelled my Virgin Credit card well before its anniversary because I was ditching Virgin to concentrate on Avios, however I still got the PE upgrade vouchers credited to my Virgin account.

  • jonathan smy says:

    bit off topic, but when is amex rewards likely to have its next transfer bonus to virgin or ba?

    • Charlie says:

      I reckon there’ll be one in the next month or two for Virgin … my reasoning is it is just before year end, and there was one last year. Fingers crossed.

This article is closed to new comments. Feel free to ask your question in the HfP forums.

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