Do you know you can apply for BOTH the Virgin White and Virgin Black credit cards?

UPDATE – JULY 2025:  This is an old article, and the credit card information given is likely to be out of date.

To learn about current credit card bonuses, benefits, terms and interest rate information, take a look at our directory of the top UK travel credit card offers – please click HERE or use the ‘Credit Cards’ menu above.  Thank you.

Keep up to date with new UK credit card bonuses by signing up for our free daily or weekly newsletters.

If you have ever had a British Airways American Express card, you will know that it is NOT possible to have both the free BA Amex and the paid BA Premium Plus version.  You need to choose.

Virgin Atlantic also offers two different credit cards – the free White cards and the £140 annual fee Black cards.

You may assume that the same rules applied as with the British Airways card – ie that you had to choose between White or Black.  However, this is not the case.

MBNA is perfectly happy, subject to credit etc, to let you have both the Virgin White and Virgin Black credit cards.

The current sign-up offers on the cards are:

The free White card offers 3,000 Flying Club miles

The £140 Black card offers 18,500 Flying Club miles

We have seen better deals on these cards in the past but those days may be numbered given the EU caps on interchange fees which will slash credit card profitability.

I know people who managed to apply for both cards at once although this is pushing your luck.  If you already have one of the Virgin cards, however, you should think about whether you should get the other one.

If you currently have Virgin Black, you have nothing to lose – and 3,000 miles to gain – by taking out Virgin White.  You can always cancel it as soon as the free miles have hit.

If you currently have Virgin White, applying for Virgin Black means you are effectively paying £140 for 18,500 miles, which is a decent deal.  Once you have triggered the sign-up bonus you need to decide whether to keep spending on Black – with the higher earnings rate – or go back to White if you are close to hitting the upgrade voucher.

PS. If you are not a regular Head for Points visitor, why not sign up for our FREE weekly or daily newsletters? They are full of the latest Avios, airline, hotel and credit card points news and will help you travel better. To join our 70,000 free subscribers, click the button below or visit this page of the site to find out more. Thank you.

Want to earn more points from credit cards? – July 2025 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 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 Mastercard

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

Barclaycard Avios Mastercard

Get 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.

SPECIAL OFFER: Until 15th July 2025, the sign-up bonus on the Marriott Bonvoy American Express Card is TRIPLED to 60,000 Marriott Bonvoy points. This would convert into 25,000 Avios or into 40 other airline schemes. It would also get you at least £300 of Marriott hotel stays based on our 0.5p per point low-end valuation. Other T&C apply and remain unchanged. Click here for our full card review and click here to apply.

SPECIAL OFFER: Until 14th August 2025, the sign-up bonus on the Hilton Honors Plus debit card is TRIPLED to 30,000 Hilton Honors points. You will also receive Gold Elite status in Hilton Honors for as long as you hold the card. Click here for our full card review and click here to apply.

American Express Preferred Rewards Gold Credit Card

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

British Airways American Express Premium Plus Card

30,000 Avios and the famous annual Companion Voucher voucher Read our full review

The Platinum Card from American Express

50,000 bonus points and great travel benefits – for a large fee Read our full review

Virgin Atlantic Reward+ Mastercard

18,000 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:

The American Express Business Platinum Card

50,000 points when you sign-up and an annual £200 Amex Travel credit Read our full review

The American Express Business Gold Card

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

Capital on Tap Pro Visa

10,500 points (=10,500 Avios) plus good benefits Read our full review

Capital on Tap Visa

NO annual fee, NO FX fees and points worth 0.8 Avios per £1 Read our full review

British Airways American Express Accelerating Business Card

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