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How to earn Virgin Flying Club points from UK credit cards

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There are many ways of earning Virgin Flying Club points from UK credit cards.

Not only can you earn points with every £1 you spend, but many cards come with generous sign-up bonuses to help your points build up.

How to Virgin Flying Club miles from UK credit cards

This article is updated on a regular basis.  You should assume that all of the information is correct but please double-check before making any applications.

All of these cards add a 3% foreign exchange fee so you might want to get a separate free credit card to use abroad.   Unfortunately there are no travel rewards card without a foreign exchange fee.  One option is to get a free Curve Card – see this HFP article – and link it to a miles-earning Visa or Mastercard.

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

Earning Virgin Flying Club points from the official Virgin Atlantic credit cards:

Virgin Atlantic has two dedicated credit cards which can earn you Flying Club points:

Virgin Rewards credit card

Virgin Atlantic Reward Mastercard

Read our full review

Other information:

  • Get a ‘2 for 1’ voucher, valid on cash or points tickets, when you spend £20,000 in a year
  • Alternatively, claim an upgrade voucher or Clubhouse lounge passes
  • Get free access to Virgin Money lounges across the UK
  • Annual fee: Free

Representative 22.2% APR variable

See if you qualify for sign-up bonus +

There is no sign-up bonus on the free Virgin Atlantic Reward Mastercard.

You may want to consider applying for the Virgin Atlantic Reward+ Mastercard instead.  This comes with a £160 annual fee but you receive a bonus of 15,000 points with your first purchase.  You also receive a higher earning rate of 1.5 miles per £1 spent.

After the first year, you could downgrade to the free Virgin Atlantic Reward Mastercard.

Learn more about the card benefits +

All Virgin Atlantic credit card holders receive free access to Virgin Money lounges across the UK.  A list of sites is here.

When you spend £20,000 per year on the free Virgin Atlantic Reward Mastercard, you can choose a benefit.  This is what you can pick from:

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

A return upgrade – on either a cash or miles 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)

Here’s the small print:

If you are a Red (no status) member, you need to pay 50% of the miles 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 on 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

Virgin Rewards Plus credit card

Virgin Atlantic Reward+ Mastercard

Read our full review

Other information:

  • Get a ‘2 for 1’ voucher, valid on cash or points tickets, when you spend £10,000 in a year
  • Alternatively, claim an upgrade voucher or Clubhouse lounge passes
  • Get free access to Virgin Money lounges across the UK
  • Annual fee: £160

Representative 63.9% APR variable based on a notional £1,200 credit limit and £160 annual fee.  Interest rate on purchases 22.9% APR variable.

See if you qualify for the 15,000 points sign-up bonus +

You receive a sign-up bonus of 15,000 Virgin points with your first purchase.

There are no restrictions on earning the bonus if you are accepted.  However, you cannot apply for a card if you currently, or in the previous six months, had a Virgin Money credit card.

Learn more about the card benefits +

All Virgin Atlantic credit card holders receive free access to Virgin Money lounges across the UK.  A list of sites is here.

When you spend £10,000 per year on the Virgin Atlantic Reward+ Mastercard, you can choose a benefit.  This is what you can pick from:

A 2-4-1 voucher, valid for two years, for a Virgin Atlantic cash flight or Virgin Flying Club redemption, 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)

Here’s the 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 on 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

Earning Virgin Flying Club points from American Express cards:

If you wanted more flexibililty, the following cards earn American Express Membership Rewards points.

American Express Membership Rewards points convert at 1:1 into Virgin Flying Club points. However, you can also convert them to various other airline and hotel schemes if you wish.

Nectar American Express

American Express Preferred Rewards Gold

Read our full review

Other information:

  • Amex Gold is our recommended ‘first card’ for a miles and points beginner
  • You receive two free airport lounge passes when you sign up, and a further two passes each year if you renew
  • After your two free passes, you can visit further lounges for a small fee
  • Annual fee: Free for the first year, £140 from Year 2

Representative 56.6% APR variable, from Year 2, based on a notional £1,200 credit limit and £140 annual fee. Interest rate on purchases and in Year 1 22.2% APR variable.

See if you qualify for the 10,000 points sign-up bonus +

You will receive 10,000 American Express Membership Rewards points as a sign-up bonus on the American Express Preferred Rewards Gold card if you spend £3,000 within 90 days of signing up.

Membership Rewards points are hugely flexible, which is why we recommend this as the best choice for your first miles and points card.  You can transfer them into Avios, Virgin Flying Club or other airlines (at 1:1) or into various hotels schemes, into Club Eurostar or use them for shopping vouchers.

To qualify for the bonus, you must NOT, currently or in the previous 24 months, have held any other personal American Express card.

You are OK if you had a supplementary card on someone else’s American Express account.

You are OK if, currently or in the previous 24 months, you have held a Business American Express card.

For clarity, you can still apply for the American Express Preferred Rewards Gold card even if you do not qualify for the bonus.  You would still benefit from the two free airport lounge passes and the ‘no fee in Year 1’ offer.

Learn more about the card benefits +

American Express Preferred Rewards Gold comes with two free airport lounge passes.  These allow either you and a friend, or yourself twice, to visit any lounge in the Lounge Pass network.  You make additional lounge visits for £20 per person.  You receive an additional two free passes each year.

You earn double Membership Rewards points on all airline spend (made directly on an airline website) and all spend made outside the UK.

If you spend over £15,000 in a card year, you will receive an additional 10,000 Membership Rewards points when you renew.

Other benefits include a 10% discount on Hertz car rentals and special deals at 350 selected hotels worldwide, where Preferred Rewards Gold cardholders receive a $75 in-hotel credit per stay.

American Express Platinum card Amex

The Platinum Card from American Express

Read our full review

Other information:

  • Two Priority Pass cards, each allowing two people into 1,300 airport lounges
  • Elite status in five major hotel loyalty programmes
  • Comprehensive travel insurance
  • Annual fee: £575

This is a charge card, not a credit card. You must clear your balance in full each month.  Annual fee £575.

See if you qualify for the 30,000 points sign-up bonus +

You will receive 30,000 American Express Membership Rewards points as a sign-up bonus on The Platinum Card if you spend £4,000 within 90 days of signing up.

Membership Rewards points are hugely flexible.  You can transfer them into Avios, Virgin Flying Club or other airlines (at 1:1) or into various hotels schemes, into Club Eurostar or use them for shopping vouchers.

To qualify for the bonus, you must NOT, currently or in the previous 24 months, have held any other personal American Express card which earns Membership Rewards points.  This includes The Platinum Card and Preferred Rewards Gold.

You are OK if you had a supplementary card on someone else’s American Express account.

You are OK if, currently or in the previous 24 months, you have held any other American Express card, including the British Airways, Marriott and Nectar cards.  Holding a British Airways American Express card does not disqualify from the Platinum bonus.

If you cancel The Platinum Card at any point, you will receive a pro-rata refund of your membership fee.  You will not lose your sign-up bonus.

For clarity, you can still apply for The Platinum Card even if you do not qualify for the bonus.  You would still benefit from the long list of other benefits.

Learn more about the card benefits +

The Platinum Card from American Express comes with an unrivalled list of benefits for the keen traveller.

Your personal travel patterns will determine which of these is the most valuable.  The key benefits are:

Full comprehensive travel insurance for you, your family and the family of up to five supplementary cardholders, subject to enrolment

Two Priority Pass cards, each of which allows the holder and a guest unlimited free access to 1,300 airport lounges

Elite status in five major hotel loyalty schemes: Marriott Bonvoy (Gold Elite), Hilton Honors (Gold), Radisson Rewards (Gold Elite), Shangri-La Golden Circle (Jade), MeliaRewards (Gold)

Access to Eurostar lounges, irrespective of travel class

£10 per month of Addison Lee taxi credit

Amex Reward Credit Card ARCC

American Express Rewards

Read our full review

Other information:

  • Your best choice if you want a ‘free for life’ card which earns Membership Rewards points
  • A good choice if you want to close a Gold or Platinum card but keep your points intact
  • Annual fee: Free

Representative 22.2% APR variable

See if you qualify for the 10,000 points sign-up bonus +

You will receive 5,000 American Express Membership Rewards points as a sign-up bonus on the American Express Rewards card if you spend £2,000 within 90 days of signing up.

Membership Rewards points are hugely flexible. You can transfer them into Avios, Virgin Flying Club or other airlines (at 1:1) or into various hotels schemes, into Club Eurostar or use them for shopping vouchers.

To qualify for the bonus, you must NOT, currently or in the previous 24 months, have held any other personal American Express card.

You are OK if you had a supplementary card on someone else’s American Express account.

You are OK if, currently or in the previous 24 months, you have held a Business American Express card.

For clarity, you can still apply for the American Express Rewards card even if you do not qualify for the bonus.  You may want to do this if you are thinking of swapping your Preferred Rewards Gold or Platinum card for a free alternative, and would prefer to keep your existing Membership Rewards points balance alive.

Learn more about the card benefits +

American Express Rewards is the only ‘free for life’ American Express card which lets you collect Membership Rewards points.

We do NOT recommend this card if you would also qualify for the sign-up bonus on American Express Preferred Rewards Gold.  The Gold card is free for the first year, comes with two free airport lounge passes and has a higher sign-up bonus of 10,000 points.

The best reason to get American Express Rewards is if you are coming to the end of your free first year with American Express Preferred Rewards Gold, or no longer want to pay the fee on The Platinum Card, but want to keep your Membership Rewards points intact.

Earning Virgin Flying Club points from the Marriott Bonvoy credit card:

I have included the Marriott Bonvoy American Express card because the points you earn convert at a generous 3:1 into Virgin Flying Club points.

The Marriott Amex also offers flexibility. Use your points for Marriott hotel stays or convert them to over 40 frequent flyer programmes, including Virgin Flying Club.

American Express Marriott Bonvoy credit card

Marriott Bonvoy American Express

Read our full review

Other information:

  • 15 elite night credits per year which gets Marriott Bonvoy Silver Elite status
  • Free night, up to 25,000 points, when you spend £25,000 per year.
  • Upgrade to Gold Elite status when you spend £15,000 in a card year
  • Annual fee: £75

Representative 38.8% APR variable based on a notional £1,200 credit limit and £75 annual fee. Interest rate on purchases 22.2% APR variable.

See if you qualify for the 20,000 points sign-up bonus +

You will receive 20,000 points as a sign-up bonus on the Marriott Bonvoy American Express card if you spend £3,000 within 90 days of signing up.

To qualify for the bonus, you must NOT, currently or in the previous 24 months, have held any other personal American Express card.

You are OK if you had a supplementary card on someone else’s American Express account.

You are OK if, currently or in the previous 24 months, you have held a Business American Express card.

For clarity, you can still apply for the Marriott Bonvoy American Express card even if you do not qualify for the bonus.  You would still benefit from the 15 elite night credits per year, the free night (up to 25,000 points) for spending £25,000 and Gold Elite status for spending £15,000.

Learn more about the card benefits +

You will receive 15 elite night credits per year in Marriott Bonvoy.  The first batch will arrive within 60 days on applying and then in Spring in each subsequent year.

15 elite nights will automatically get you Silver Elite status in Marriott Bonvoy and put you nearer to Gold Elite and higher tiers.

If you spend £15,000 per card year, you will be upgraded to Gold Elite status in Marriott Bonvoy.

If you spend £25,000 per card year, you will receive a free night voucher, valid at any hotel where reward nights cost up to 25,000 points.

Earning Virgin Flying Club points from small business cards:

If you want to earn Virgin Flying Club points from a small business card, your two options are the American Express Business Platinum card and the American Express Business Gold card.

American Express Membership Rewards points convert at 1:1 into Virgin Flying Club points. You can also convert them to various other airline and hotel schemes if you wish.

American Express Business Gold card

American Express Business Gold

Read our full review

Other information:

  • Annual fee: Free for the first year, £125 from Year 2

This is a charge card, not a credit card. You must clear your balance in full each month.  Annual fee £125 from Year 2, free in Year 1.

See if you qualify for the 20,000 points sign-up bonus +

You will receive 20,000 American Express Membership Rewards points as a sign-up bonus on the American Express Business Gold card if you spend £3,000 within 90 days.

Membership Rewards points are hugely flexible.  You can transfer them into Avios, Virgin Flying Club or other airlines (at 1:1) or into various hotels schemes, into Club Eurostar or use them for shopping vouchers.

To qualify for the bonus, you must NOT, currently or in the previous 6 months, have held any other American Express card which earns Membership Rewards points.  This includes Business or personal Gold, Business or personal Platinum and the personal American Express Rewards credit card.

You are OK if you had a supplementary card on someone else’s American Express account.

For clarity, you can still apply for the American Express Business Gold card even if you do not qualify for the bonus.  You would still benefit from the ‘no fee in Year 1’ offer.

Learn more about the card benefits +

You can apply for supplementary Amex business cards for your employees at no extra cost.

You will receive one consolidated statement showing the spend on your card and all of the supplementary cards.  All of the Membership Rewards points earned on the supplementary cards will flow into your personal account.

Depending on when in your monthly cycle you make a payment, you will effectively receive up to 54 days free credit on your spending.

American Express statements provide more underlying transaction detail for flights and certain other transactions than Visa or Mastercard statements, making it easier to reconcile transactions.

Amex Platinum Business American Express

American Express Business Platinum

Read our full review

Other information:

  • Two Priority Pass cards, each allowing two people into 1,300 airport lounges
  • Elite status in five major hotel loyalty programmes
  • Comprehensive travel insurance
  • Annual fee: £595

This is a charge card, not a credit card. You must clear your balance in full each month.  Annual fee £595.

See if you qualify for the 40,000 points sign-up bonus +

You will receive 40,000 American Express Membership Rewards points as a sign-up bonus on the American Express Business Platinum card if you spend £6,000 within 90 days.

Membership Rewards points are hugely flexible.  You can transfer them into Avios, Virgin Flying Club or other airlines (at 1:1) or into various hotels schemes, into Club Eurostar or use them for shopping vouchers.

To qualify for the bonus, you must NOT, currently or in the previous 6 months, have held any other American Express card which earns Membership Rewards points.  This includes Business or personal Gold, Business or personal Platinum and the personal American Express Rewards credit card.

You are OK if you had a supplementary card on someone else’s American Express account.

For clarity, you can still apply for the American Express Business Platinum card even if you do not qualify for the bonus.  You would still benefit from all of the other card features.

Learn more about the card benefits +

American Express Business Platinum comes with an unrivalled list of benefits for the keen traveller.

Your personal travel patterns will determine which of these is the most valuable.  The key benefits are:

Full comprehensive travel insurance for you, your family and the family of up to five supplementary cardholders, subject to enrolment

Two Priority Pass cards, each of which allows the holder and a guest unlimited free access to 1,300 airport lounges

Elite status in five major hotel loyalty schemes: Marriott Bonvoy (Gold Elite), Hilton Honors (Gold), Radisson Rewards (Gold Elite), Shangri-La Golden Circle (Jade), MeliaRewards (Gold)

Digital subscription to The Times and The Sunday Times, worth over £300

The small print:

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.