What we think of it...

Our editors are currently reviewing the Virgin Atlantic White credit card.

A little more detail

Rates and Fees

			Special Note..	Any good?
Typical APR		17.9% APR (variable) -	-
Balance Transfer Rate		0% for 6 months	Also includes credit card cheques. Payments are applied towards introductory rates first.
Balance Transfer Fee		2% (£3 minimum, £50 maximum)	-
Cash Withdrawal Rate		20.9% p.a. (variable)	-
Cash Withdrawal Fee		2% (£2.5 minimum)	-
Annual Fee		None	-
Foreign Transaction Fee		2.75%	-

Rewards

			Special Note..	Any good?
Reward Type #1	-	Flying Club miles	Earn Flying Club miles when you spend on the Virgin Atlantic credit card. - 1 Flying Club mile for each £1 spent - 2 Flying Club miles for each £1 spent with Virgin Atlantic or Virgin Holidays.
Reward Type #2	-	Bonus Flying Club miles	Receive 3,000 bonus Flying Club miles with your first card purchase. Must be made within 90 days of account opening and you will need to provide MBNA with a valid Flying Club membership number before your statement is issued.
Reward Type #3	-	Complimentary Companion Flight	Spend £15,000 in a year on this card to qualify for 1 complimentary round trip ticket for your companion the next time you book a qualifying flight with Virgin Atlantic.
Reward Type #4	-	Premium Economy Upgrade	Spend £10,000 in a year on this card to qualify for a complimentary round trip Economy upgrade the next time you use your miles to book a qualifying reward flight in Economy. Plus, spend another £10,000 in the same year to get another complimentary upgrade.

Extras

			Special Note..	Any good?
Online Account Management		Yes	-
Online Fraud Guarantee		Yes	-
Travel Accident Insurance		Up to £250,000	When you use this card to buy travel tickets you and your family will be covered against death or serious injury whilst abroad.
Lost Luggage Insurance		Up to £1,500	- Covers the cost of lost luggage.
Travel Inconvenience Insurance		Up to £250	- For food, accommodation and additional travel expenses charged to the Virgin Atlantic Black credit card if your travel is delayed for 8 hours, and more if you're delayed for longer.
Other Extras	-	24 hour customer service	-
Optional Extras	-	- Payment protection	This is not a free service, but is available for this card.

Payments

			Special Note..	Any good?
Credit Limit		Up to £50,000	-
Interest Free Period		Up to 46 days	There is no interest free period on balance transfer or cash withdrawals.
Minimum Monthly Payment		2.25% (£5 minimum)	-
Allocation of Payments		Lower rate items » Higher rate items	Where there are two balances at the same promotional rate, the balance with the longer promotional period will be repaid first.
Default Charges		£12	-

Card Details

			Special Note..	Any good?
Online Application	-	Yes	Remember: always ensure you meet the application requirements before applying, as getting rejected can affect your credit score.
Card Type		Classic	-
Payment Company		American Express	-
Card Issuer		MBNA	-
Card Advertiser		Virgin Atlantic	-

At a Glance

Typical APR	17.9% APR
Credit limit	Up to £50,000
Balance transfer	0% for 6 months (2% transfer fee - £3 min, £50 max)
Rewards	Flying Club miles
Interest free period	Up to 46 days
Annual fee	£0

	This card includes:
	Online Account Management
	Fraud Guarantee
	Travel Services
	It is best suited for:
	Anyone looking for a great travel reward scheme - without the added cost of annual fees.
	Wait! Only apply if you are...
Aged 18 or over UK resident

More about this card...