Virgin America Credit Card ReviewsReviews, rates, fees and rewards details for the Virgin America Credit Card. Compare to other cards and apply online in seconds.John KiernanWalletHubHigh rewards rate10,000 points initial rewards bonusMembership feesNo intro APR on purchasesNo intro APR on balance transfersForeign fee
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Airline Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
We're sorry, but the Virgin America Credit Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 1-866-772-5275
Virgin America Credit Card has a rating of 3.5/5 according to our proprietary credit card rating system. This rating reflects how appealing Virgin America Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Airline Rewards'. To break it down further, Virgin America Credit Card earned a score of 2.9/5 for Fees, 3.9/5 for Rewards, 3.7/5 for Cost, and 3.6/5 for User Reviews.
WalletHub Rating Breakdown
User Reviews
3.6/5
211 reviewsRead and write reviews
Editor’s Review
3.4/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.5
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Airline Rewards” for this card.
Fees
2.9
Rewards
3.9
Cost
3.7
Other Features
0.0
3.5/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$49
APR on Purchases
16.73% - 25.74% (V)
Balance Transfer
APR: 27.74% (V)
Balance Transfer Fee:3% (min $10)
Rewards
10,000 bonus points after you make $1,000 in eligible purchases within your first 90 days as a cardholder. That’s worth up to $200 toward your next reward flight on Virgin America
Earn 3 points per $1 on all other Virgin America purchases, including in-flight purchases on RED™
Earn up to eight points per $1 spent on all your Virgin America flight purchases. As an Elevate member, you earn five points per $1 on the base fare, plus you’ll earn an additional three points per $1 by using your card
Earn 1 point per $1 spent everywhere else
$150 off a companion ticket every year
Save 20% on RED™ in-flight purchases
Get one free checked bag for you and your plus-one when you use your card to purchase the flight
Virgin America Credit Card's Additional Info
No blackout dates or restrictions on reward flights
Modest initial bonus. The 10,000 points you’ll get for spending at least $1,000 within 90 days of getting your Virgin America Visa Signature Card can be redeemed for up to $200 in Virgin America airfare. That’s not a bad deal if you’re planning to fly Virgin in the near future and don’t spend more than a few hundred dollars per month.
Solid rewards on Virgin purchases. The Virgin America Credit Card gives you 3 points per $1 spent on all Virgin America purchases, including those made during flights. That works out to as much as 6% back when redeemed for Virgin airfare. That’s pretty good, as is the fact that you and a guest each get one free checked bag per Virgin America flight. Other purchases aren’t nearly as rewarding, though, yielding just 1 point per $1 spent. So once you get the initial bonus, using this card just for Virgin America spending might be the best approach.
Small annual fee, offset by an annual companion fare. The Virgin America Credit Card has a $49 annual fee, which is nearly three times the national average but well below what many other travel rewards cards charge. Unless you tend to fly solo, it will also be mitigated by the $150 companion-fare discount to which you’re entitled as a Virgin America Card owner.
Above-average APR. The Virgin America Card’s APR will be assigned depending on your creditworthiness. But we already know that you need good or excellent credit to qualify. And the average credit cards for people with good and excellent credit charge 19.51% and 13.98%, respectively. So it’s clear that you’re going to overpay if you carry a balance from month to month with this particular piece of plastic.
Good credit requirement. If you don’t know your credit score, make sure to check it for free on WalletHub. After all, more than 40% of consumers actually have limited, fair or bad credit, according to WalletHub data, and therefore would be unlikely to qualify for the Virgin America Visa Card.
In-house competition. It’s worth noting that this isn’t the only Virgin America credit card. There’s also the Virgin America Premium Card, which has the same credit requirement but costs $100 more per year and offers greater rewards potential. You can compare the two offers here.
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Compare The Virgin America Credit Card vs. Popular Alternatives
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Airline Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.4
User Reviews
3.6
Market Comparison
3.5
fees: 2.9
rewards: 3.9
cost: 3.7
Other Features: 0.0
3.8WalletHub Rating
WalletHub Rating
3.8
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Airline Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.0
User Reviews
4.8
Market Comparison
3.7
fees: 3.8
rewards: 3.5
cost: 4.0
Other Features: 0.0
3.8WalletHub Rating
WalletHub Rating
3.8
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Airline Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Can't find what you are looking for? Submit your question about Virgin America Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
To get the Virgin America Credit Card sign-up bonus, new cardholders must spend $1,000 within the first 90 days of opening an account. The Virgin America Credit Card bonus is 10,000 points.
Keep in mind, however, that you will not be eligible for this introductory bonus if you currently have the Virgin America Credit Card, regardless of whether you previously received the bonus. You also may not be eligible if you recently earned the bonus.
In addition to the sign-up bonus, the Virgin America Credit Card offers 1 - 3 points per $1 on purchases. Its annual fee is $49, and you need good credit to get approved for the card.
Share your insights and review for the Virgin America Credit Card
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3.6
211 reviews
211 reviews
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Faith Mullins @mullins9664
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1 Star Rating
I'm very disappointed in this company. Lousy customer service when trying to explain confusion about the $49 fee for another year on the card that I haven't used and thought everything changed over to Alaska. I was not notified that the fee had been charged to my account, after 2 months late fees and ding on my credit card I finally get a call. No refund on the yearly fee. I get emails about everything else, except the fact that it was time for another annual fee to go onto my account! Why no notice of that? Chase Bank is very good about it.
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0
0
Debra Woods @debraw_16
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1 Star Rating
I would give this card 0 stars if possible. It is the worst credit card I've ever had and they charge an annual fee on top to boot. The card took an excessive amount of time to arrive, was near impossible to activate, it was put on hold before I could use it due to "fraudulent activity", I called to have it reinstated and then it still didn't work. I ordered the card in February, didn't receive it until late March and by late April, I was still never able to use the card. I finally gave up and cancelled it. I've never had so many problems with a credit card before.
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2
0
Jordan Ford @jordanf_2
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5 Star Rating
This is my first credit card and could not be happier with it! I have never had an issue with the card once and I have been using it for every transaction I have had since July 2015. The design is very sleek and modern and everyone loves to compliment it come checkout time. Getting points for every dollar spent and then some, were a big deal for me. Virgin delivers with the perks and benefits many other airlines lack. Being a young college student and interning across the country, I knew I would be traveling east to west coast frequently and Virgin America has always been my airline of choice, so getting the card never felt more right. I have never had a decline or security hold when bouncing around state to state and when I call customer service, they are always fast and friendly to help. Virgin America Visa is also now available for Apple Pay, which makes it one-hundred times easier to checkout and earn points. I am still waiting to get a card with the new chip in it. Comenity says it is expected at some point in 2016. Thank you Virgin America & Community for such a fantastic card! I look forward to using it for years to come!
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Osman Khan @osmank
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1 Star Rating
I switched from United to virgin and got the silver card. While I was traveling, the fraud protection group blocked my card. The fraud protection office was closed when I landed and customer service told me that it was my fault I didn't alert the bank I was traveling.
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5
2
Sara Velarde @sarav1
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1 Star Rating
Very bad fraudulent practices. Was charged the annual fee of $149 dollars. Called within days of that charge to cancel the card because I don't use it anymore. Service representative offered $75 annual fee instead. I said no thanks. So here is the funny business starts. He says he will close the account but will transfer me to a supervisor to have the fee remove because he can't do it. Supervisor gets on the line and says because the card was cancelled she can't remove the annual fee of $149. After having a very heated discussion of how this is ridiculous that is and how she came back and said they reinstated the card, removed the fee then cancelled it. They were obviously trying desperately to screw me. Be very careful with this credit card vendor.
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10
5
Debra Krizman @debrak_5
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1 Star Rating
I am beyond disappointed with the Virgin America Visa issued by Comminity Bank.
I love to fly Virgin America to New York and Dallas so I got the Virgin Visa Signature card to use instead of my Platinum AmEx, my Platinum AAdvantage card and my Platinum SW Visa card.
Unfortunately, the Virgin card has been an unpleasant joke from day one. My first few months were full of issues about the over-sensitive and unresponsive "fraud protection" aspects of the card. (For instance, if I would visit my local Ralph's market 3 days of the week, the third charge would be refused as “suspicious". Plus there was no way to easily deal with charge refusal as one would have to call the "fraud number" and answer personal questions in a non-private place. (I've previously noted this in other letters.)
The final nail on the coffin came a few days ago when I called the Virgin America credit card company to get a new card with a chip for use in Europe. First, there are no chips available yet and, secondly, there are "only a few merchants" in Europe who will accept the Virgin America credit card!! Additionally, when I phone customer service most or the people I speak with sound like they arrived yesterday from the local unemployment office; I spend my time educating them :(
Hello?? This is a travel card! Isn't Virgin owned by a European company? How can they diminish themselves by not having chips and/or being able to use the card in Europe? Our local, small, Southwest regional airlines beats them to no end. I'm saddened that I'll stop using the Virgin America credit card because it's such a useless piece of nonsense.
I expect so much better for a quality airlines like Virgin America :(
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Kerry Memole @kerrymemole
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2 Star Rating
I don't like the foreign transaction fee and lack of smart chip; also the monthly rate is higher than other cards for those who carry a balance
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2
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Emmanuel Val Ruiz @emmanuelval.ruiz
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5 Star Rating
Instant approval for wife $12,500 CL and for myself $16K CL. Now, we'll see how their Customer Service behaves. Just applied for the $49 cards. If I get numerous transaction rejects due to Fraud Alerts and stuff, problems with claiming our 2 comp tickets, horrible website experience, then these cards wouldn't last a month! I just hope that I am one of those people who ends up with a very good experience with Comenity. So far so good, No problems creating our online accts. and setting up our bank info. for online payments. Crossing our fingers.....
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6
2
Dustin Newwin @dustinnewwin
Hey Emannuel! How's it been now? I just applied and got instant approval too. Just wanted to see if you had any update about your experience. All these review are making me feel like I should just close it down before the card even comes but wanted to hear from someone who's had more recent experience.
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0
0
Meaghan Condon @meaghan.condon.1
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1 Star Rating
AWFUL CUSTOMER SERVICE!!
I signed up for the Virgin American Visa Credit Card during a promotion of $50 off my flight. The First bad thing of this card, was that they did not charge the flight on my new Virgin American Credit Card, which means I lost out on all of those points in the first place!
Second, they mailed me my $49 annual fee bill in the mail, along with my pin number in a separate mailing. But they NEVER mailed me my actual credit card. Making it impossible for me to start charging $1,000 in the first 90 days to receive my 10,000 Elevate point.
I called customer service, which by the way – the number they give you on your bill is OUT OF SERVICE! When I spoke to the customer service rep they said that it was not their fault that I did not receive my credit card, and that they would not extend the 90 days to charge $1,000. I finally spoke to a “supervisor” who told me that the Elevate customer service rep would give me 10,000 as an inconvenience.
When I spoke to Elevate customer service, they told me that this was not their problem and they would not give me the points. They said I had to call Virgin American Visa back. This is ABSOLUTELY RIDICULOUS!!
TERRIBLE CUSTOMER SERVICE! Their credit card seems like a SCAM!!!
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Meg Allen @meg.allen.961
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4 Star Rating
The Virgin America Credit Card offers about average rewards for a points card. It does require an excellent credit rating which limits the amount of people who would get a card. Unlike the larger card companies like Chase who offer many different cards to a larger range of people. It offers a balance transfer intro rate of 0% for 15 months which is better than most cards who offer a 0% intro rate for only 12 months. All in all the card offers great benefits except for the annual fee which seems a little high for me as many cards out there like Chase offer no annual fees.
* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Alaska Airlines Credit Card, Virgin America Premium Credit Card, and Virgin America Credit Card
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