Virgin Atlantic Black Credit Card

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Credit Needed
Good Credit
  • 18,500 miles with your first card purchase within 90 days of account opening.
  • 2 Flying Club miles for every £1 spent with the Virgin Atlantic Black American Express Credit Card from MBNA and 1 Flying Club mile for every £1 spent with the Virgin Atlantic Black Visa Credit Card
  • 0% on balance transfers for 6 months, with a 3% handling fee
  • £140 annual fee
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • Eligibility check: Find out if you are eligible before applying for this card

*When you use either card and spend £3,000 within 90 days of account opening and supply your Flying Club number
  • Representative APR (variable)
    57.4%
    APR
    Balance Transfer APR
    0% for 6 months
    Balance Transfer Fee
    3.00%
    Annual Fee
    £140
    Credit Needed
    Good Credit

Representative Example: Representative 57.40% APR (variable). Based on an annual fee of £140, a credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)


Virgin Atlantic Black Credit Card summary

Virgin Atlantic Black credit card gives users two credit cards, one American Express and the other Visa, both earn holders Flying Club miles, but the 'earn rate' on the American Express is higher and therefore offers users the opportunity to maximise their point, where American Express is accepted (including all major supermarkets). Where American Express isn't accepted, users have the convienence of a Visa card which is widely accepted in the UK and internationally.

Key features

  • Representative 57.40% APR (variable)
  • 18,500 miles with your first card purchase within 90 days of account opening
  • 22.9% p a (variable) on purchases
  • 0% p.a. on balance transfers for 6 months from the date the account is opened (3% handling fee applies on balance transfers)
  • 0% p.a. on money transfers for 6 months from the date the account is opened
  • £140 annual fee
  • Eligibility check: Find out if you are eligible before applying for this card
  • Contactless payment - fast and secure payment for items under £30, hold the card up to the reader and wait for the beep or green light and the payment is registered.  Occasionally you will need to enter your pin for extra security.  You will not be responsible for fraudulent contactless transactions made.
  • American Express card earns you 2 Flying Club mile for every £1 spent and 4 Flying Club miles for every £1 spent directly with Virgin Atlantic, and Virgin Holidays.
  • Visa card earns you 1 Flying Club mile for every £1 you spend
  • Cash transactions 27.9% APR

Acceptance criteria in addition to credit check

  • Minimum Age: 18 Years
  • UK Resident
  • Have a UK bank account

Application subject to status

Meeting the eligibility criteria does not mean automatic acceptance. Virgin also take into account status and financial background when assessing applications suitability and any potential credit limit offered.