Virgin Atlantic Reward Credit Card
Best for: Earning Virgin Points on a Mastercard with no annual fee
Pros
- Best no-fee points rate on a UK Mastercard
- Easy welcome bonus
- Good companion to an Amex for points collectors
Cons
- Virgin Points are most valuable on Virgin Atlantic and Delta flights
- No foreign-fee waiver
- Reward+ (£160 fee) version earns double if you spend heavily
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
The Virgin Atlantic Reward card is the best no-fee airline card in the UK: 0.75 Virgin Points per £1 on everyday spending and 1.5 points per £1 with Virgin Atlantic and Virgin Holidays, plus a welcome bonus after your first purchase. Because it runs on Mastercard rather than Amex, it earns points in the shops that refuse American Express — which is why many UK points collectors carry both.
Virgin Atlantic Reward Credit Card at a glance
| Issuer | Virgin Money |
| Card network | Mastercard |
| Annual fee | £0 |
| Rewards rate | 0.75 Virgin Points per £1; 1.5 points per £1 with Virgin Atlantic and Virgin Holidays |
| Welcome bonus | 3,000 Virgin Points after your first purchase within 90 days |
| 0% intro period | None |
| Representative APR | 26.9% (variable) |
| Non-sterling transaction fee | 2.99% |
| Credit needed | Good |
| Airport lounge access | No |
| Best for | Earning Virgin Points on a Mastercard with no annual fee |
Rewards & perks
- Annual spend reward: a companion voucher or upgrade voucher after £20,000 of spend
- Points pool with Virgin Red and transfer to hotel partners
- Mastercard acceptance fills the gaps Amex leaves
Pros
- Best no-fee points rate on a UK Mastercard
- Easy welcome bonus
- Good companion to an Amex for points collectors
Cons
- Virgin Points are most valuable on Virgin Atlantic and Delta flights
- No foreign-fee waiver
- Reward+ (£160 fee) version earns double if you spend heavily
Who should apply
- UK residents aged 18+ with a good credit history
- Flying Club members and Virgin Red users
- Points collectors who need a Mastercard alongside Amex
Before you apply: card terms change often. Confirm the current annual fee, interest rate, welcome offer and rewards on the official Virgin Money site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
How it compares with similar UK cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Virgin MoneyVirgin Atlantic Reward 5515 5085 0293 6226 VALID THRU 01/32TAYLOR REED Virgin Atlantic Reward Credit CardEarning Virgin Points on a Mastercard with no annual fee |
None | 0.75 Virgin Points per £1; 1.5 points per £1 with Virgin Atlantic and… | None | 2.99% | Good | |
American Express Preferred Rewards Gold CardTravellers who want transferable points and lounge passes |
£195/yr | 1 Membership Rewards point per £1; 2 points on airlines and at Amex Tr… | None | 2.99% | Good to excellent | |
BarclaycardRewards Visa 4388 9936 5990 6007 VALID THRU 11/30RILEY CHEN Barclaycard Rewards VisaEveryday spending at home and abroad with no foreign fees |
None | 0.25% cashback on all eligible purchases | None | None | Good (Experian “good” band or… | |
American Express Platinum Cashback Everyday CardCashback on everyday spending with no annual fee |
None | 0.5% cashback on the first £10,000 a year, 1% above that | None | 2.99% | Good to excellent |
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