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Virgin Atlantic tweaks its credit card rules

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Virgin Atlantic announced a change to its credit card rules this week.  This will only impact a very small number of cardholders, but I think they are disproportionately HfP readers.

The spending on which you can earn miles per month is now capped at your monthly credit limit.

What this means is that you cannot cycle your credit limit mid-month.  Well, you can, but you won’t earn any miles if you do.

Virgin Atlantic credit cards

Imagine you have a £10,000 credit limit but spend £30,000 per month on Google or Facebook advertising for your business, as I know quite a few readers do:

on the 1st you charge £10,000 and pay it off on the 9th

on the 10th you charge another £10,000 and pay it off on the 19th

on the 20th you charge another £10,000 and pay it off on the 29th

At the moment, this person would (on the Virgin Atlantic Reward+ Mastercard) earn 45,000 miles per month on £30,000 of spending, despite having a £10,000 credit limit.

Going forward, this person would only earn 15,000 miles per month, since the spend on which miles can be earned is capped at their £10,000 credit limit.

However, if Virgin Money agreed to increase their credit limit to £30,000, they could continue to earn 45,000 miles per month.

It is worth noting that having a cap on cycling your limit is not unusual.  Some card companies ban the practice outright.  Capital On Tap, I believe, limits you to double your credit limit per month on its generous Avios card.

You can find out more about the Virgin Atlantic credit cards here.  Despite this change, they are still easily the most generous cards on the market, with 0.75 Flying Club miles per £1 on the free card and 1.5 miles per £1 on the £160 paid card.  There are generous sign-up bonuses too.


HFP Virgin Atlantic Rewards credit card

How to earn Virgin Points from UK credit cards (August 2021)

As a reminder, there are various ways of earning Virgin Points from UK credit cards.  Many cards also have generous sign-up bonuses.

You can choose from two official Virgin Atlantic credit cards (apply here, one has a bonus of 15,000 Points):

Virgin Rewards credit card

Virgin Atlantic Reward Mastercard

The UK’s most generous free Visa or Mastercard at 0.75 points / £1 Read our full review

Virgin Rewards Plus credit card

Virgin Atlantic Reward+ Mastercard

15,000 points bonus and the most generous non-Amex for day to day spending Read our full review

You can also earn Virgin Points from various American Express cards – and these have sign-up bonuses too.

American Express Preferred Rewards Gold is FREE for a year and comes with 20,000 Membership Rewards points, which convert into 20,000 Virgin Points:

Nectar American Express

American Express Preferred Rewards Gold

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

Click here to read our detailed summary of all UK credit cards which earn Virgin Points

(Want to earn more Virgin Points?  Click here to see our recent articles on Virgin Atlantic and Flying Club and click here for our home page with the latest news on earning and spending other airline and hotel points.)

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