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Do you know you can get a sign-up bonus on BOTH the Virgin Atlantic credit cards?

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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.

Virgin White

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.

Please note that the White cards have a representative APR 22.9% variable.  The Black cards have a representative APR 57.4% variable including the fee based on a notional £1200 credit limit.

Remember that MBNA is almost certainly losing the Virgin credit cards soon

Virgin Money recently announced that it has signed a partnership deal with Virgin Atlantic.  Whilst the credit cards were not specifically mentioned, it is unthinkable that this deal does not include the Flying Club cards.

On the basis that MBNA may stop offering the Virgin Atlantic cards at any time, it makes sense to take advantage of this offer whilst it is running.  If / when the cards move to Virgin Money, you will be able to get another sign-up bonus through them!

Can I apply for both White and Black cards at the same time?

I know people who managed to apply for both sets of Virgin cards at once, although this is pushing your luck.  It makes more sense to get one now and then the 2nd one later on.

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.  You CANNOT get a pro-rata refund of the £140 fee if you cancel Black.

My full reviews of the two Virgin cards are here and here.  The application page for both cards is here.

(Want to earn more miles and points from credit cards?  Click here to visit our dedicated airline and hotel travel credit cards page or use the ‘Credit Cards Update’ link in the menu bar at the top of the page.)

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.  By recommending credit cards on this site, I am – technically – acting as a credit broker.  Robert Burgess, trading as Head for Points, is regulated and authorised by the Financial Conduct Authority to act as a credit broker.

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Comments

  1. Don’t apply for both at the same time as they will probably phone you up and think you made a mistake and ask which one you want, best leave a few weeks in between.

  2. Just last week I received my new While Virgin Amex and Visa cards from MBNA.

    Both had 2020 expiry dates.

    Would seem to me to be rather wasteful to issue me cards with 3 year expiry dates if a major change was in the offing – why not just one year (which is what RBS did with my bank cards whilst the transfer to the ‘new’ Williams and Glynes bank was in the offing.

    • Genghis says:

      MBNA have nothing to lose by issuing cards with 2020 expiry dates. In fact saves cash as they may have to replace short dated cards if they still had the deal. MBNA can cull cards whenever they want, giving the required notice in the T&Cs, most likely a month.

  3. Danielle says:

    I have spend over £15,000 on my Virgin White card and haven’t received either the upgrade or free companion voucher which are meant to be triggered after a £10,000 spend and £15K spend, respectively. Does anyone know who I should contact about this? MBNA or Virgin Atlantic? Many thanks!

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