FlyerfolioMiles and membership
English

Status: checked against official sources; automated independent review

Part of Virgin Atlantic Flying Club hub

New to Virgin Atlantic credit cards? Start here: cards and transfers

PROGRAMME PROFILE

Virgin Atlantic credit cards: Reward and Reward+

Virgin Atlantic credit cards are UK-issued credit cards that earn Virgin Points in the Virgin Atlantic Flying Club programme: the Virgin Atlantic Reward Credit Card and the Virgin Atlantic Reward+ Credit Card, both issued by Nationwide Building Society trading as Virgin Money. [1] Card spending feeds a Flying Club balance, and a high annual spend earns a Flying Club reward voucher that can be used for a companion seat or a cabin upgrade on Virgin Atlantic operated flights. [1]

Facts checked: 18 October 2026

Key takeaways

  • Virgin Atlantic publishes two UK consumer cards, and both pay Virgin Points into Flying Club, so a cardholder must be a Flying Club member with a membership number linked to the card. [1]
  • The Reward+ card carries a £160 annual fee, pays 1.5 Virgin Points per £1 of card purchases (3 per £1 with Virgin Atlantic or Virgin Holidays) and reaches its reward voucher at £10,000 of annual spend. [1]
  • The Reward card has no annual fee, pays 0.75 Virgin Points per £1 (1.5 per £1 with Virgin Atlantic or Virgin Holidays) and reaches its reward voucher at £20,000 of annual spend. [1]
  • Monthly earning on both cards is capped by the cardholder's credit limit, and the cap does not apply to bonus points. [1]

The two UK cards

Both cards are issued by Nationwide Building Society, trading as Virgin Money, with Virgin Atlantic Airways Ltd acting as an appointed representative of Nationwide Building Society. [1] Credit is available subject to status and only to UK residents aged 18 or over. [1]

Virgin Atlantic Reward Credit Card. This card has no annual fee. It pays 3,000 bonus Virgin Points for a purchase made within the first 90 days from account opening, with no minimum spend, then 0.75 Virgin Points per £1 of card purchases and 1.5 Virgin Points per £1 spent directly with Virgin Atlantic or Virgin Holidays. [1]

Virgin Atlantic Reward+ Credit Card. This card has a £160 annual fee. It pays 18,000 bonus Virgin Points for a purchase within the first 90 days from account opening, again with no minimum spend, then 1.5 Virgin Points per £1 of card purchases and 3 Virgin Points per £1 spent directly with Virgin Atlantic or Virgin Holidays. [1]

Earning on card spend

Points are credited to a Flying Club account: cardholders need Flying Club membership and must link their membership number to the card. [1] Points are added every month within five days of the credit card statement date, and bonus points arrive in the month after they are earned. [1]

Points are not earned on cash advances, balance transfers, money transfers, interest or fees, and purchases of Virgin Points do not qualify for the higher Virgin Atlantic rate. [1] There is also a monthly cap set by the credit limit: Virgin Atlantic's example is a £5,000 limit, where points are earned on the first £5,000 of card purchases in a month, with the counter resetting on each statement date, and the cap does not apply to bonus points. [1]

The balance is spent at Flying Club's variable reward prices, which are displayed at the time of booking, with the lowest available prices flagged as Saver reward seats. [3] The card page cites Saver reward seats from 6,000 Virgin Points as an example of what a balance can buy. [1]

Card spend is only one input into a Flying Club account. Points earned by flying with Virgin Atlantic depend on distance, booking class and tier status, and Silver and Gold members receive a 30% and 60% bonus respectively on that flight earning, which is separate from the card earn rates above. [5]

Reward vouchers and companion rewards

Both cards carry an annual spend threshold that produces a Flying Club reward voucher, and only one voucher can be earned every 12 months, with the period resetting on each anniversary of the card account opening. [1] The threshold is £10,000 of card purchases over 12 months on the Reward+ card and £20,000 on the Reward card. [1]

Voucher value depends on Flying Club tier at the moment of redemption rather than at the moment it was earned: a Red tier member's voucher can be redeemed for an upgrade or companion seat up to the value of 75,000 Virgin Points, and a Silver or Gold member's up to 150,000 Virgin Points. [1] A member who earned the voucher at Red tier and later moved to Silver would therefore hold a voucher worth up to 150,000 Virgin Points when redeeming. [1]

Vouchers can only be redeemed on bookings for Virgin Atlantic operated flights, for either a round trip Companion Reward Seat or a round trip cabin upgrade; taxes, fees and carrier-imposed surcharges remain payable, and upgrades cannot be applied to Economy Light bookings. [1] Where the reward costs less than the voucher value, the voucher is redeemed in full, and where it costs more, the difference can be funded with additional Virgin Points. [1]

The voucher is added to the Flying Club account within 30 days of being earned, and bookings using it are made by calling the Flying Club contact centre. [1] It must be spent within 24 months of issue, meaning the flights must be booked and the outbound flight taken inside those 24 months, although the return journey can follow later. [1] Further conditions apply to voucher redemptions under the Flying Club terms. [1] [3]

Members are not permitted to sell or auction rewards, vouchers or Virgin Points in any circumstances. [3]

Exceptions and limits

  • Representative examples published for the cards: the Reward+ card shows a purchase rate of 26.9% p.a. variable, equivalent to 69.7% APR representative variable, based on a £1,200 credit limit and the £160 annual fee; the Reward card shows 26.9% p.a. variable and 26.9% APR representative variable on the same £1,200 limit with no annual fee. [1]
  • Bonus points require a purchase inside the first 90 days from initial account opening and have no minimum spend requirement. [1]
  • The monthly cap follows the individual credit limit, so the amount of spend that earns points differs by account; the £5,000 figure in the card terms is an illustration. [1]
  • Card upgrades cannot be applied to Economy Light bookings, and a card voucher can only be used on Virgin Atlantic operated flights. [1]
  • Flying Club states there is no prescribed time frame to redeem Virgin Points while a member remains in the programme and complies with the terms, but unredeemed points are forfeited if the account is cancelled or terminated. [3]
  • Reward vouchers earned by linked members of a Flying Club Household Account are not transferred to the household leader's account. [3]
  • Each card is governed by its own Flying Club terms, which sit between the cardholder and Virgin Atlantic Airways Limited, and the Flying Club terms also apply. [1]
  • The cards are only for UK residents aged 18 or over; the card page directs readers outside the UK to a separate Virgin Red Rewards Mastercard, whose terms are outside this page. [1]

Sources

Sources checked on 18 October 2026. Coverage is limited to the UK-issued Virgin Atlantic consumer cards; the Virgin Red Rewards Mastercard offered to non-UK residents, and other cards that earn Virgin Points, are not covered here. [1]

  1. Virgin Atlantic credit card page with card terms, checked 18 October 2026
  2. Virgin Atlantic Flying Club terms and conditions, effective 30 October 2024, checked 18 October 2026
  3. Virgin Atlantic Flying Club earning page and calculator, checked 18 October 2026

Virgin Atlantic credit cards on Flyerfolio

Every page about Virgin Atlantic credit cards, grouped by what you want to do.

Start here 1

Tools 3