Virgin Atlantic Black Credit Card
|Representative APR (variable)||Purchase interest p.a.||Cash withdrawal APR||Annual card fee|
The interest rate for borrowing that at least 51% of the customers accepted will pay.
The annual interest rate you'll pay on new purchases.
The interest rate you'll pay on cash you withdraw from an ATM.
The fee you'll pay for having the card each year, if any.
- This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
- This credit card has a high annual fee of more than £25, making it more expensive to use overall than others with the same APR.
Reward scheme details
Enjoy exclusive offers and rewards with the Virgin Red app Earn 2 Flying Club miles for every £1 spent with your American Express® Credit Card Earn 1 Flying Club mile for every £1 spent with your Visa card 0% on balance and money transfers for up to 6 months from the date your account is opened (3% handling fee) Eligibility check: Find out if you are eligible before applying for this card 18,500 miles with your first card purchase made within 90 days of account opening, plus an additional 6,500 bonus miles if applied for before 28 June 2017 and spend a total of £3,000 in the first 90 days.
- Representative Example
- Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 22.9% (variable), with a £140 annual fee, representative 57.4% APR (variable). Credit available subject to status.
Customer satisfaction scorecard:How do we work this out?
|Keeping you up to date with new deals||Transparency of charges / penalties||Online account management||Customer service||Overall customer score|
|Can be used for building credit rating||No|
|Minimum income required to open account||Not provided|
|Opening account is by invitation only||No|
|Account is for existing customers only||No|
|Further notes about eligibility||N/A|
|Minimum age to open an account||18|
|Rate period||6 months|
|Limit period days||N/A|
|Rate period||0 months|
|Maximum interest free days (purchases)||49|
|Days to pay||15|
|Monthly payment min %||1.0%|
|Monthly payment min £||£25|
|Returned payment fee||£12|
|If you exceed credit limit||£12|
|Foreign usage fee (Europe)||2.99%|
|Foreign usage fee (worldwide)||2.99%|
|Charges for cash withdrawals||Yes|
|Cash withdrawal percent||5.0%|
|Reward is charity donation||No|
|Reward is cash back||No|
|Reward is Airmiles||Yes|
|Reward is points||No|
|Reward is vouchers||No|
|Reward is travel||Yes|
|Reward is Avios||No|
|Reward is discount||No|
If you do not pay the total outstanding balance in full by the payment due date, the amount you pay will be allocated to higher interest rate balances before lower interest rate balances. Where fees and charges are payable, your payment will be allocated to the interest rate applicable to these fees and charges relating to any higher interest rates first.