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Top 10 reasons to get the Virgin Atlantic Reward Mastercard credit card

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Why should you get the Virgin Atlantic Reward Mastercard?

Today, in our ‘Top 10 Reasons’ series, I want to look at the top 10 reasons to apply for a free Virgin Atlantic Reward Mastercard credit card.

You can see all of our ‘Top 10 Reasons’ series, focusing on UK travel rewards credit cards, by clicking here.

If you want to check your credit record before applying for a new card, click here to get your free Experian Credit Score.

The serious legal stuff about the Virgin Atlantic Reward credit card:

You can apply here:  Virgin Atlantic Reward Mastercard application form

What does it cost?  No annual fee

What is the interest rate?   The representative APR is 22.9% variable

Top 10 reasons to get the Virgin Atlantic Reward credit card

The top 10 reasons to get the Virgin Atlantic Reward credit card:

1.  There is a generous sign-up bonus of 5,000 Virgin Flying Club miles

You will receive 5,000 Virgin Flying Club miles when you sign up and make your first purchase.

Occasional special offers see the bonus increase to 10,000 or 12,000 miles, although there is a spending target to hit during these periods.

2.  You receive 0.75 Virgin Flying Club miles for every £1 you spend on the card

There are a few exceptions (cash withdrawals do not earn points) but in reality virtually every £1 you spend will earn you 0.75 Virgin Flying Club miles.

3.  You earn double miles when you spend with Virgin Atlantic and Virgin Holidays

4.  This is the most generous free airline or hotel card on the market

At 0.75 miles per £1, which I would value at 0.75p, this is the most generous free travel rewards credit card.

5.  You get a special bonus for spending £20,000 in a card year

The bonus you can pick depends on your status in Virgin Flying Club:

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)

6.  You get free access to Virgin Money lounges

Virgin Money has a network of lounges across the UK – here is the list – where you can pop in for a free cup of tea and a biscuit and to relax.  You and your guests are welcome at any of these lounges once you have the card.

7.  The card is free for life

The Virgin Atlantic Reward Mastercard credit card is free for life.

Other cards with annual fees may offer better earning rates but, unless you are a very heavy spender, you will often struggle to justify the fee from the extra miles earned.

8.  You receive 0% interest for six months on balance transfers 

A 3% fee is payable.

9.  As a Mastercard, it is far more flexible than an Amex card

Many of the travel rewards credit cards we cover are American Express cards.  The problem with these is that they are not universally accepted.

As a Mastercard, Virgin Atlantic Reward credit card is accepted virtually everywhere that cards are taken.

10.  You don’t need a high income to apply

The minimum income requirement is just £7,000 for yourself or at least £15,000 across your household.

Conclusion

The Virgin Atlantic Reward Mastercard is the most generous free credit card in the UK in terms of rewards.  0.75 Virgin Flying Club miles per £1 spent is an excellent deal.  Getting a 2-4-1 voucher or other bonus for spending £20,000 in a year is the icing on the cake.

You can sign up for the Virgin Atlantic Reward credit card on the official website here.

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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