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NEW: Get up to 22,500 Virgin Points with the Virgin Atlantic Reward+ credit card

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Virgin Atlantic has launched a special offer for its Virgin Money-issued Reward+ credit card.

The offer launched yesterday and will run until 4th March.

You will get double Virgin Points on your spend up to 14th April (capped at 7,500 extra points) on top of the standard sign-up bonus of 15,000 Virgin Points if you take out the Virgin Atlantic Reward+ credit card.

There is no special deal on the free Virgin Atlantic Reward credit card. This card has no sign-up bonus.

You can apply here.

30,000 Virgin Points bonus with the Virgin Atlantic Reward+ credit card

Previously had the card? Virgin Money will give you a new bonus if you cancelled your previous Virgin Atlantic card more than six months ago.

You CAN apply if you have the free Virgin Atlantic credit card. This is due to a rule change which we will cover separately in a day or so.

You CAN apply and get the bonus if you are currently a supplementary cardholder on someone else’s Virgin Atlantic credit card.

Pay no foreign exchange fees in the Eurozone

If you are looking for a good reason to apply – apart from the bonus – this is it. The Virgin Atlantic cards are the only travel rewards credit cards which offer a partial respite on FX fees when travelling.

You pay no FX fees on spending in Euro (in the EEA), Swedish Kronor or Romanian Lei. This saves you 3% on your purchases and you earn Virgin Points on top. The 3% fee applies to transactions in all other currencies.

Note that some Euro-accepting countries are not in the EEA, eg Monaco.

I am increasingly finding this to be a very valuable benefit. I spent around £8,000 on my Reward+ card across Italy, Germany and Slovenia during August last year, picking up 12,000+ Virgin Points and saving £240+ on FX fees in the process.

Here is the exact wording from the summary credit agreement:

“Non-Sterling Transaction Fee (for foreign currency transactions): 2.99% of transaction. We will not charge this if the transaction is in Euros, Swedish Kronor or Romanian Lei and it takes place in the UK or European Economic Area (EEA)”

What are the key features of the Virgin Atlantic credit cards?

These are very attractive cards. Here are the details:

Get 30,000 Virgin Points sign-up bonus with the Virgin Atlantic Reward+ credit card

The free card – the Virgin Atlantic Reward Mastercard

The free Virgin Atlantic Reward credit card is a Mastercard which earns 0.75 Virgin Points per £1 spent.

The representative APR is 26.9% variable.

There is no sign-up bonus on this card.

Get 30,000 Virgin Points sign-up bonus with the Virgin Atlantic Reward+ credit card

The paid card – the Virgin Atlantic Reward+ Mastercard

The £160 Virgin Atlantic Reward+ credit card is a Mastercard which earns 1.5 Virgin Points per £1 spent. 

The representative APR is 69.7% variable, including the annual fee.  The representative APR on purchases is 26.9% variable.

If you take out the Virgin Atlantic Reward+ credit card by 4th March:

  • you get 15,000 Virgin Points after you make your first purchase on the card in the first 90 days
  • you will get an additional 1.5 Virgin Points per £1 spent (maximum 7,500 additional points) until 14th April

If you can maximise the second part of this offer, you would receive 15,000 Virgin Points from the ‘first purchase’ bonus and 7,500 additional points on your spending to 14th April.

You will also benefit from earning a very generous 1.5 Virgin Points per £1 spent as your base earnings.

The fee is not refundable pro-rata if you cancel during the year.

This offer makes the Reward+ card your best deal for Year 1

The Reward+ card is clearly the best deal, in my view, given the enhanced bonus.  The additional 22,500 Virgin Points – if you maximise the spend bonus – easily offset the £160 annual fee for the first year.

More importantly, once you have the Reward+ card, you are earning the superior 1.5 points per £1 whenever you shop.  You also trigger the upgrade and companion vouchers more quickly.

Big spenders should note that your monthly points earning is capped by your credit limit. What this means, in plain English, is that if your limit is £10,000, the maximum number of points you can earn per month is 7,500 on the free card and 15,000 on the paid card. If you spend £10,000 every 10 days and then pay off your balance mid-cycle, you will not earn miles on your spending above £10,000. This is unlikely to be an issue for 99% of people.

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 little more flexibility.

22,500 Virgin Points bonus with the Virgin Atlantic Reward+ credit card

These are your rewards for hitting the spending target each year

Your reward is triggered within 1-2 weeks of 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.

You should receive an email from Virgin Flying Club confirming this. If not, go to the ‘My Activity’ section of the Virgin Atlantic website, under ‘My Account’. You should see ‘Virgin Atlantic Credit Card Reward Voucher’ as a transaction line, with ‘0 points’ showing next to it.

The voucher cannot be redeemed online. You need to call Virgin Flying Club to redeem it.

You can choose one of the following options:

  • A 2-4-1 voucher, valid for two years, for a Virgin Flying Club points redemption OR a Virgin Atlantic cash ticket, in Upper Class, Premium or Economy
  • A return upgrade – on either a cash or points ticket – from Premium to Upper Class, or from Economy Delight / Classic to Premium.  You can either upgrade 1 x return flight if travelling alone or 2 x one-way legs of two return flights if travelling with someone else.
  • A Virgin Clubhouse lounge pass (requires a same-day Virgin Atlantic, Delta, KLM or Air France flight, option only available to Silver and Gold members)

There is small print:

  • If you are a Red (no status) member, you need to pay 50% of the points for your 2nd ticket if you redeem your 2-4-1 voucher in Upper Class.  This means that, for Upper Class redemptions for Red members, it is effectively a ‘2 for 1.5’ voucher. For Economy or Premium redemptions, it is a genuine ‘2 for 1’.
  • If you are a Gold member, you would receive two Clubhouse lounge passes instead of one if you chose that option
  • Taxes and charges need to be paid on the ‘free’ ticket as part of your 2-4-1 booking
  • Vouchers are valid for two years and you must fly the outbound leg of your trip before the expiry date

Reward seat availability is required to use the voucher.  This means:

  • You can only upgrade a flight if there is a reward seat in the higher class (irrespective of whether you are upgrading a cash or a points ticket)
  • You can only apply a 2-4-1 voucher to a cash booking if there is a reward seat available for the 2nd ‘free’ seat

If you usually travel on your own, the upgrade voucher is likely to suit you best. This can also be used by a couple to upgrade one leg per person on a return cash or reward flight.

Get 22,500 Virgin Points from the Virgin Atlantic Reward+ credit card

New to Virgin Points and Virgin Flying Club?

Last year we published a 13-part series of articles on the best ways to spend Virgin Points – click here.

Whilst premium flights are clearly the best option (sorry to spoil the surprise!) you will find that there are plenty of other options available too.

Who knows? Perhaps the amazing offer of a £2,500 Virgin Voyages cruise for just 80,000 Virgin Points for two (full board) will return in 2024 …..

Remember that Virgin Points convert into Hilton Honors and IHG One Rewards points

With the IHG UK credit cards now closed, and Hilton showing no signs of launching a new product, these cards are a good way of earning IHG or Hilton points from a UK Mastercard / Visa.

The conversion rate into Hilton Honors is 2:3 and the rate into IHG One Rewards is 1:1.

There is a minimum conversion of 10,000 Virgin Points and conversions must be done by phone.


22,500 Virgin Points is a decent sign-up bonus, assuming you maximise the spending element.

The £160 Reward+ card is the better overall package because of the high earning rate and the voucher being triggered at just £10,000 of spending. There isn’t a lot of value in getting the free card – at least for Year 1 – when there is a good bonus on Reward+.

You can apply for either of the Virgin Atlantic credit cards via this link.

This offer ends on 4th March.

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. The site discusses products offered by lenders but is not a lender itself. Robert Burgess, trading as Head for Points, is regulated and authorised by the Financial Conduct Authority to act as an independent credit broker.

Comments (113)

  • RH says:

    Thanks Rob, I have the free card, but also just got accepted for the £160 card. £25K limit same as my free one. Seems a no-brainer with the bonus and the 1.5 points/£. Plus I use the free card a lot abroad so makes sense to get the extra points on spend.

  • Iamsmurphslaw says:

    I didn’t say you’d made it up!
    I just found it interesting that many people on here over the years have commented about the very low limits given by Virgin.
    Yet here you are with not just one card, but two with a huge limit.
    Interesting as I say, but good for you!

    • RH says:

      Yes, maybe just luck. I have used my free card spend to quite near the limit before and always pay off monthly, so maybe that has built up the trust. On top of my good credit rating, earnings, etc.

      I was still declined for the Barclays Avios card, no sure why. Only card I have ever been refused.

  • Iamsmurphslaw says:

    Well no luck here, my wife has just been offered a derisory £3600 despite being of good standing on everything you mention. Her last card had £5k+ which makes it all the more baffling!
    How do you achieve a £5k spend target by mid April with this low limit? It just highlights how poor this particular card offer is this time! Que Sera.

  • Mrgan says:

    I’ve got reward+ card. Husband refused despite having income of £70k, excellent credit score, home owned outright and always pays off card in full.

    Are they only allowing one per household?

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