How to Apply Virgin Atlantic Reward Credit Card
This guide shows everything you need to apply for the Virgin Atlantic Reward Credit Card in the UK. It covers eligibility, documents, and the online steps.
You will learn how credit checks work, what information to prepare, and how rewards are earned and redeemed. Sentences are short for mobile reading.
We also explain common fees, what to look for in the APR and annual fee, and where to check current rates with the issuer. For official rules see the Financial Conduct Authority: https://www.fca.org.uk/.
Before you apply, check the issuer’s current terms and the Virgin Atlantic site for card offers. Links and sources are included so you can verify up-to-date fees and benefits.
Documents and personal information you must have
Have valid photo ID such as a passport or driving licence, plus your National Insurance number and UK address to prove identity and residency.
Provide recent proof of address, such as a utility bill, council tax, bank statement or tenancy agreement dated within three months to confirm your residence.
Have proof of income ready, like latest payslips, P60, SA302 for self-employed or three months of bank statements to demonstrate affordability and income.
Ensure you have your UK bank account details including sort code and account number, plus a mobile, email and three years of address history if asked.
Be ready to consent to a credit check, sign electronically, read the terms carefully and confirm any sign-up offers before you submit the application.
Step-by-step online application process
Start at the Virgin Atlantic card page, choose the Reward Credit Card, click apply and create an account. Have documents and bank details ready.
Enter personal details accurately: full name, date of birth, National Insurance number, current address and previous addresses if requested for verification.
Provide employment and income details: employer name, job title, gross annual salary. Self-employed applicants should supply SA302 or business accounts.
Upload scanned ID and proof of address via the issuer’s secure portal, follow file type limits, and complete the electronic signature to submit the application.
After submission expect a decision within days, accept terms, note a hard credit check occurs on final approval and card delivery may take up to two weeks.
Fees, APR, annual fee and how Virgin Points work
Check the APR, annual fee and any foreign transaction charges. Compare interest on purchases, balance transfers and the overall cost versus rewards.
Earn Virgin Points on card purchases; check earn rates for Virgin Atlantic flights, partner airlines and everyday spending categories incl. bills.
Redeem points for Virgin Atlantic flights, seat upgrades or partner rewards. Transfer to Flying Club partners and check minimum redemption levels and caps.
Consider whether the annual fee is offset by the welcome bonus and ongoing points. Calculate the break-even, consider companion vouchers and card benefits.
Read the full terms, APR and representative examples on the issuer site. Monitor statements, set alerts, and avoid carrying large balances that earn interest.
After applying: approval times, activation and useful tips
Decisions often arrive within minutes or up to a few working days; check email and your online account, and keep documents handy for verification.
If approved, activate your card online or via mobile app; set a PIN at a bank or over the phone, and register for online statements and alerts.
Card delivery can take up to two weeks; use tracked post if offered, and contact customer service for delays. Activate upon arrival to start earning.
Set up Direct Debit to pay in full or minimum. Register for online banking, enable alerts, and freeze the account quickly if you spot fraud.
Keep a record of application reference, review welcome bonus conditions and points expiry, limit multiple applications, and check your credit score regularly.
Click the button below to be redirected to the card issuer’s official website and start your application securely. Review the current terms, fees and eligibility on the issuer’s site before you submit.