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

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.

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

If you are looking to apply for a new credit or charge card, here are our September 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:

• 2,000 Virgin Points on Virgin Atlantic Reward Mastercard (ends 15th October)
• 30,000 Virgin Points on Virgin Atlantic Reward+ Mastercard (ends 15th October)
• 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:

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.

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: