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TWO DAYS LEFT: Get 5,000 to 10,000 EXTRA sign-up miles with the Virgin Atlantic credit cards!

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EDIT:  This offer closed on 14th December 2018.  If you follow the links below you will see the standard bonuses which are still available.  These are 5,000 miles on the free card and 15,000 miles on the premium card.

Virgin Atlantic is currently running an impressive special offer for its new Virgin Money-issued Reward and Reward+ credit cards.

There are just two days left so I wanted to give it another push today in case you haven’t got around to it yet.  It will end at 4pm on Friday.

Until 4pm on Friday:

you will earn an extra 5,000 miles (10,000 miles in total) on the FREE Virgin Atlantic Reward credit card 

you will get an extra 10,000 Flying Club miles (25,000 miles in total) if you take out the Virgin Atlantic Reward+ credit card, which has a £160 fee

You can apply here.

It is worth noting that Virgin Money lets existing Virgin Atlantic cardholders who already have one of the two cards apply for the other one – as long as it was six months ago.  If you got one of the cards when they launched back in April, you should be successful if you now apply for the other.

Virgin Flying Club Reward credit card extra bonus

Here are the details:

The free card:

The free Virgin Atlantic Reward credit card is a Mastercard which earns 0.75 miles per £1 spent.  The representative APR is 22.9% variable.

New sign-ups to the Virgin Atlantic Reward Credit Card will be able to earn up to 10,000 miles:

  • 5,000 miles for the first purchase made on the card in the first 90 days
  • Plus another 5,000 miles when you apply on or before 14th December 2018 and £1,000 is spent on the card within 90 days of opening the account

This means that you are earning 10,000 Virgin Flying Club miles – which are worth around £100 if redeemed for long-haul premium flights – for free.

Virgin Atlantic Reward credit card

The paid card:

The £160 Virgin Atlantic Reward+ credit card is a Mastercard which earns 1.5 miles per £1 spent.  The representative APR is 63.9% variable including the £160 fee based on a notional £1200 credit limit The interest rate on purchases is 22.9% variable.

If you take out the Virgin Atlantic Reward+ credit card you will be able to earn up to 25,000 miles:

  • 15,000 miles for the first purchase made on the card in the first 90 days
  • Plus another 10,000 miles when you apply on or before 14 December 2018 and £1,500 is spent on the card within 90 days of opening the account

With this deal, you are receiving – when you factor in the annual fee, which is not refundable – 25,000 Virgin Flying Club miles, which are worth around £250 if redeemed for long-haul premium flights, for £160.

Virgin Reward Plus credit card extra bonus

The Reward+ card remains the better deal in my view because, whilst the sign-up deals are roughly equal (10,000 miles for free vs 25,000 miles for £160), once you have the Reward+ card you are earning the superior 1.5 miles per £1 whenever you shop.  You also trigger the upgrade and companion vouchers more quickly

Whilst you can hold both cards at once and get a bonus on each, Virgin Money wants a six month gap between applications.  If you applied for one of these cards back in April when they launched, you should be able to apply for the other one whilst this bonus is running.

How do the upgrade and companion vouchers work?

Each year you can earn a special extra reward.  Your reward is triggered IMMEDIATELY upon hitting the spending target.  The target is £20,000 in a card year for the free Virgin Atlantic Reward credit card and £10,000 in a card year for the £160 Virgin Atlantic Reward+ credit card.

Unlike the British Airways American Express cards, the rewards vary depending on your tier in the Virgin Flying Club scheme.  If you have elite status, you get a better reward.

This is what you can pick from:

All Flying Club members:

A 2-4-1 voucher, valid for two years, for a Virgin Flying Club redemption in Economy, or

A return upgrade to Premium when you book an Economy reward flight (requires reward availability in Premium)

Flying Club members with Silver status can choose from:

A 2-4-1 voucher, valid for two years, for a Virgin Flying Club redemption in Premium or Economy, or

A Virgin Clubhouse lounge pass for Heathrow or Gatwick (requires a same-day Virgin Atlantic flight), or

A return upgrade to Premium when you book an Economy reward flight (requires reward availability in Premium)

Flying Club members with Gold status can choose from:

A 2-4-1 voucher, valid for two years, for a Virgin Flying Club redemption in Upper Class, Premium or Economy

TWO Virgin Clubhouse lounge passes for Heathrow or Gatwick (require same-day Virgin Atlantic flights)

A return upgrade to Premium when you book an Economy reward flight (requires reward availability in Premium)

Taxes and charges are due on ‘free’ 241 seats in the same way as the British Airways American Express 241 vouchers.  Vouchers are valid for two years and you must fly the outbound leg of your trip before the expiry date.

Some tips on applying

Do NOT use the ‘pre-approval checker’ on the Virgin Money website.  It is a joke.  It is designed for Virgin Money’s mass-market cards and is likely to reject you for being too wealthy and so unlikely to pay interest.  Apply directly.

If your full application is rejected, this can often be overturned if you appeal in writing.  Write to Virgin Money at Jubilee House, Gosforth, Newcastle upon Tyne, NE3 4PL with a couple of paragraphs expressing your dismay, referencing your Virgin Atlantic status and/or that you had the old MBNA credit cards, and outlining your income and lack of non-mortgage debts.  They will reconsider and you will normally end up being successful.

Conclusion

This is an excellent sign-up bonus.  If you haven’t taken out one of the new Virgin Atlantic credit cards yet, I doubt you will see a better deal than this.  I genuinely don’t know how Virgin Money / Virgin Atlantic can afford this in the world of 0.3% interchange fees, and you should take advantage before they realise!

The £160 Reward+ card is the better overall package because of the high earning rate and the bonus triggered at just £10,000.

However, even if the Reward+ card is not for you, EVERY Head for Points reader should think about picking up a cheeky 10,000 Virgin Flying Club miles by getting the free Virgin Atlantic Reward credit card and spending £1,000 within 90 days.

You can apply for either of the new Virgin Atlantic credit cards via this link.  You have until 4pm on Friday if you want to get the extra bonus miles.

(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. OT: How do I find out my credit score and why it suddenly fell way down? Has anyone been approved with low eligibility before?

    I checked my eligibility to apply for Amex credit cards (I previously held premium plus BA, amex plat and spg) and while it’s always been 9-9.5/10, I just checked and now it’s fallen to 1-4/10. I’m trying to sign up for Experian but they need verification.

    Has anyone signed up with those odds and got approved? Apparently with every declined application my credit score will go down so I’m hesitant to apply with these odds. I don’t know how it got so low, the only thing I can think of is a problem I had with magazine subscriptions and direct debit problems that went unpaid (that was out of my control as the subscriptions tried to take payments even though I had cancelled the direct debits)

    A response will be much appreciated 🙁

    • Your credit report on Experian should give you some good clues. I suggest you verify it.

    • MSE’s credit club gives you full access to your Experian report for free (Experian only give you the headlines for free)… And you can also check Noddle for a fuller picture.

    • You can probably get it direct from Expierian but before this was free I joined the Money Saving Expert Credit Club and part of this gives you your experian score and full report updated every month.

      https://clubs.moneysavingexpert.com/creditclub/register

      I have no connection with that site other than a satisfied customer.

    • Every “Credit Score” company will provide you with a different “score”.

      Experian scores out of 1,000
      Clearscore (powered by Equifax) scores out of 700
      Noddle (powered by Transunion) scores out of 710

      Every Financial Institution takes the data supplied by one or more of these groups and builds their own internal score.

      Always be proactive with your Credit Report and nurture it.

      Never forget that cancelling a payment method isn’t the same as cancelling the contract to deliver goods, membership or a service.

    • the_real_a says:

      It might be helpful to note that credit scores are fluid, and can change daily/weekly as financial institutions report on you. So for example if you had made a large purchase on a CC that will cause a temporary blip until the reporting period AFTER you paid it off. Each financial institution has a different reporting date to the agencies, that does not necessary coincide with the statement date.

  2. Neither my wife or I can get approved for these cards. Annoying since we both had the old MBNA cards and our FC miles earning has taken a nose dive since, doubly annoying since these are the best non-Amex earning cards on the market. Appears VM is being quite picky on their target market to maximise profit. Sigh.

    • Yeah same for me. I have no problem getting any other credit cards but Virgin don’t want me!

      • Jonathan says:

        I applied with some trepidation based on reports here. I’ve got 3 credit cards & always repay in full every month so not exactly profitable for the providers but was approved with 25k limit which is 2.5x my HSBC limit who I’ve banked with for years. I don’t have a history of churning & consistently use all 3 cards throughout the year though so maybe they’re looking for long term customers which I guess isn’t the typical HfP audience?

  3. Do these convert 1:1 into status qualifying IHG points ?
    Too late for me this year but might come in handy if I can get them to post into next year’s IHG balance.

    ???
    Cheers.

  4. I took out the free card and have first 5000 points on statement. I’ve spent over £1,000 threshold, does anyone know when next bonus 5000 points will appear (on next statement?). If I stop spending on card now, will I still get them?
    Also once I have them and want to transfer to Hilton, will they be added to existing points in my Hilton account or do I need to book rooms in Hilton via Virgin?

  5. OT : I called Virgin Money today as my 10000 bonus miles didn’t arrive with my first statement.

    The agent put me on hold for a while and then he seemed a bit “annoyed” by me asking about this. He told me that it will take 4 weeks from the statement date for these to be posted.

    Raffles was right, it is indeed a manual process.

  6. Andrew (@andrewseftel) says:

    MSE was citing a 10am Friday expiry, rather than 4pm.

    • Apparently it gets pulled at 10am from public facing websites but any application made by 4pm is still OK. We have that in writing.

  7. Any news on the separate offers they have been sending out

    I signed up for the 10,000 (5 and 5) but then received email about spending £500 per month for 3 months and I would get 2K points a month

    When I called Virgin money they lead me to believe I would end up with around 16K points if I made the 2 targets across the offers

  8. Given amex have now ‘banned’ me (and many others) for using their shop small promotion, I’ve taken my business to VM! Successfully applied this morning.

    • what did you do in particular?

    • Could you tell us please what you did to get ‘banned’?

      • Shoestring says:

        He split a £70 purchase into £10 chunks (or something like that)

        • only 7?

        • Shoestring says:

          They were flagged as unusual transactions, cards got blocked, the Amex fraud team decided to stop the cards, presumably a bit of overkill on the ‘gaming’ grounds of the SS promotion T&Cs. They could simply have allowed the transactions but refused the SS £5 credits.

        • Shoestring says:

          Actually I’m over-guessing, I don’t think he’s necessarily had his cards stopped, just further participation in SS (sorry AJ)

        • Christ! The lengths the well off will go to save a few quid! Don’t suppose I’ll be seeing any of you cats down south Molton Street while I’m down me Christmas shopping..

  9. What are these cards like with curve? I saw one comment that cash withdrawals got hit with 5% but what about various other types of payments?

  10. What happened there – been working a treat for me 🙂

  11. OT: are these cards picky on business services payments? Like for example IHG card is picky but HSBC is not. Thanks

    • IHG is only picky to the extent that it limits them to lots of GBP 200 per day, which I guess is the cash withdrawal limit on the card…

  12. I used the MSE eligibility checker (which doesn’t affect your credit score) first which told me i was guaranteed (pre-approved) acceptance which I was when I then applied right after.

  13. Me and the OH both accepted on the free card, one of us on 6 figures plus.

  14. Does anyone know if this promotion is still available? When I use the ‘apply’ link above, I don’t see a reference to 10,000 additional bonus miles. All I see is 15,000 miles. Thanks!

    • The marketing was changed at 10am. Anyone who applies before 4pm still gets the higher bonus (but you need to trust us on that). We have it in writing from VM.

      • Trevor Gardiner says:

        Well I got the card back in November after seeing the HfP article.I spent £1200 and then enquired when I might see the points. The reply this morning? Sorry, there are no offers on this card so you will only get 5000. I’ve gone back but await a reply. Looks like I might have wasted my time. Should have stuck to Amex…. [no reflection on you Rob…]

  15. Optimus Prime says:

    Can you apply for the Rewards+ card if you already have the free card?

    • Yes, if it has been 6 months. It is not yet fully clear if you can have two vouchers per year – no-one has got to the bottom of this yet.

  16. Hi all, I’ve managed to get the basic card and trying to link it into curve. curve says it needs verifying so I have gone through that, it created a small transaction where there is meant to be a code I enter into the app. The only code I see is a 6 digit authorisation code but the app says that’s not it!!

    Is this a limitation of the pending transactions display? Does it need to fully clear, and then they refund it ? I don’t remember having to do this before, I thought I just added a card and it worked. I do see there are about a dozen pending transactions which I assume are curve related as I’ve tried other things. I guess they will disappear without clearing.

  17. I have already spend apporx. 6K on paid card but in the statement I have only received the 15K bonus VS miles, not the additional 10K miles stated here.

    Do I need to wait for some more time before this bonus shows up in my account?

  18. On the free card you earn double flying club points if you use the VA card to book Virgin flights – does anyone know if this is still the case if you don’t book directly through the airline?

    • Ignore that sorry just seen you have to book directly!

    • Depends if the airline charge is processed by Virgin. Expedia for eg, with BA at least, charges its fees direct but BA processes the flight – so in theory double pointson BAPP. To be certain, book direct unless it is pricier, in which case take the cash saving and not the miles.

  19. Optimus Prime says:

    I applied for the Rewards+ card on 14th December after cancelling my free card. Today I have received an email saying below:

    “Before you opened your credit card account, we told you about our exclusive offer to get you off to a flying start.

    As a reminder, you can earn up to 33,000 bonus miles in your first three months of having the card:

    15,000 miles when you make your first card purchase (within the first 90 days).
    6,000 miles a month in the first 3 months your account is open, when you spend a minimum of £1,000 each month on your card.”

    Looks like these guys have no clue as to what deals are being offered…

    • Yep I got that when I moved to Rewards+ too, and am just 6k off receiving the full 33k – nice bonus as thought I’d missed out on it! (I also got a few k from the lower offer they had on the free card before I closed it)

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