Is Virgin Money planning a Curve-style product?
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Virgin Money has been circulating an interesting survey to selected customers asking for their views on what appears to be a Curve-style wallet aggregator product.
It appears to be an electronic wallet which would allow you to:
- link your existing credit and debit cards
- earn points on all of your spending
- redeem Virgin Points on day to day spending
What is not fully clear is how the product works. If you are ‘earning points on all of your spending’, even from linked cards which do not earn points, it suggests that there may be some sort of Curve-style intermediary card involved.
The product would also include a Klarna-style function to repay purchases in instalments, and a Snoop-style function to monitor your spending and suggest ways in which you could have saved on purchases you made.
I wouldn’t get too excited about the ability to redeem Virgin Points on day to day spending. The rate is likely to very poor, potentially even lower than the standard ‘0.5p per point’ valuation used when you redeem for products via Virgin Red.
If you did get 0.5p per Virgin Point then it would be a decent result given that you are effectively redeeming points for cash.
There is no guarantee that this product ever sees the light of day, of course, but it is interesting to see the direction of travel of one of the more established financial institutions.
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How to earn Virgin Points from UK credit cards (April 2025)
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, the Reward+ card has a bonus of 18,000 Virgin Points and the free card has a bonus of 3,000 Virgin Points):
Virgin Atlantic Reward+ Mastercard
18,000 bonus points and 1.5 points for every £1 you spend Read our full review
Virgin Atlantic Reward Mastercard
3,000 bonus points, no fee and 1 point for every £1 you spend 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.
SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on the ‘free for a year’ American Express Preferred Rewards Gold card is increased from 20,000 Membership Rewards points to 30,000 points. Points convert 1:1 into Avios (30,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.
American Express Preferred Rewards Gold
Your best beginner’s card – 30,000 points, FREE for a year & four airport lounge passes Read our full review
The Platinum Card from American Express comes with 50,000 Membership Rewards points, which convert into 50,000 Virgin Points.
SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on American Express Platinum is increased from 50,000 Membership Rewards points to a huge 80,000 points. Points convert 1:1 into Avios (80,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.
The Platinum Card from American Express
80,000 bonus points and great travel benefits – for a large fee Read our full review
Small business owners should consider the two American Express Business cards. Points convert at 1:1 into Virgin Points.
American Express Business Platinum
50,000 points when you sign-up and an annual £200 Amex Travel credit Read our full review
American Express Business Gold
20,000 points sign-up bonus and FREE for a year Read our full review
Click here to read our detailed summary of all UK credit cards which earn Virgin Points.
