Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Emily Long, The WirecutterThe Virgin Atlantic Mastercard from Bank of America is a solid airline credit card if you find yourself flying back and forth to Europe at least once a year. And if you take advantage of every opportunity to earn bonus miles, the intro bonus alone could net you a round-trip ticket across the Atlanti...
- Ben, One Mile at a TimeIf I had no credit cards and was just looking for a single card to use for my everyday spending, this wouldn’t be the card I’d go for. However, for someone who has had a lot of other cards, or who flies Virgin Atlantic a lot, this card could be a good option. I think this card can make a ton of sens...
- Play Your Cards Right, Travel UpdateThe BOFA Virgin Atlantic Card is a fantastic option for international travelers who want to fly to Europe or the Caribbean. It’s also great for those who want to earn Virgin Flying Club Miles or have Virgin Atlantic Elite Status. The “sweet spot” for this card is spending $25,000 per year. This way,...
- Shannon Serpette, LendEDUWith its generous sign-up bonus and anniversary bonus miles offer, the Virgin Atlantic World Elite Mastercard is a good option for anyone who enjoys flying with Virgin Atlantic. Beware though, some of the perks, including the companion reward benefit, requires making a lot of purchases on your card...
- Andy Shuman, CreditCards.comThanks to its high rewards rate, frequent flyers of British Airways can earn a pretty good return on their spending with the Virgin Atlantic World Elite MasterCard, though more mainstream travelers may find it difficult to redeem their rewards.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
17.49% ‐ 25.49% (Variable) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
17.49% ‐ 25.49% (Variable) This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
20.49% ‐ 26.49% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $90.00 |
| Balance Transfer Fee |
3% Minimum of $10 |
| Cash Advance Fee |
3% Minimum of $10 |
| Foreign Transaction Fee | $0.00 |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$39.00 Maximum |
| Promotions | |
| Sign up bonus |
30000 miles after spending $1,000 - On purchases within the first 3 months. - Earn up to 5,000 Flying Club bonus miles when you add additional authorized users to your account |
| Rewards | |
| All Purchases | 1.5 miles for $1 spent |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel |
3 miles for $1 spent Spent directly on Virgin Atlantic purchases |
| Pharmacy | No |
| Bills | No |
| Additional Details |
|
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | No |
| Car Rental Insurance | No |
| Car Rental Discount | No |
| Extended Warranty | No |
| Purchase Protection | No |
| Zero Liability | Yes |
| No Foreign Transaction Fees | Yes |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | Yes |
| Wireless Payments | Apple Pay, Samsung Pay, Android Pay |
| Additional Benefits |
|
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Critic Reviews
Worth a look for TransAtlantic flyers
The Virgin Atlantic Mastercard from Bank of America is a solid airline credit card if you find yourself flying back and forth to Europe at least once a year. And if you take advantage of every opportunity to earn bonus miles, the intro bonus alone could net you a round-trip ticket across the Atl...More
The Virgin Atlantic Mastercard from Bank of America is a solid airline credit card if you find yourself flying back and forth to Europe at least once a year. And if you take advantage of every opportunity to earn bonus miles, the intro bonus alone could net you a round-trip ticket across the Atlantic. But be warned: You’re still on the hook for taxes and fees, which can be exorbitant when you fly to and from the UK.
Excellent sign-up bonus and some worthy perks
If I had no credit cards and was just looking for a single card to use for my everyday spending, this wouldn’t be the card I’d go for. However, for someone who has had a lot of other cards, or who flies Virgin Atlantic a lot, this card could be a good option. I think this card can make a ton...More
If I had no credit cards and was just looking for a single card to use for my everyday spending, this wouldn’t be the card I’d go for. However, for someone who has had a lot of other cards, or who flies Virgin Atlantic a lot, this card could be a good option. I think this card can make a ton of sense to pick up. It has an excellent bonus so you can apply for the card and then see how the card works for you. You can even try to spend $25,000 on the card, which I consider to be a sweet spot. Then after the first year you can decide if it’s worth holding onto long term.
A nice earner, especially for a co-branded card
The BOFA Virgin Atlantic Card is a fantastic option for international travelers who want to fly to Europe or the Caribbean. It’s also great for those who want to earn Virgin Flying Club Miles or have Virgin Atlantic Elite Status. The “sweet spot” for this card is spending $25,000 per year....More
The BOFA Virgin Atlantic Card is a fantastic option for international travelers who want to fly to Europe or the Caribbean. It’s also great for those who want to earn Virgin Flying Club Miles or have Virgin Atlantic Elite Status. The “sweet spot” for this card is spending $25,000 per year. This way, you will receive the option of a benefit and an anniversary bonus each year. However, the Virgin Atlantic Card is not a great card for benefits if you plan to spend less than $25,000 per year on it. It’s earning structure gives you some incentive to put non-bonus spend on the card. This can be huge for Virgin fans.
For people who like to fly Virgin Atlantic
With its generous sign-up bonus and anniversary bonus miles offer, the Virgin Atlantic World Elite Mastercard is a good option for anyone who enjoys flying with Virgin Atlantic. Beware though, some of the perks, including the companion reward benefit, requires making a lot of purchases on your card annually.
With its generous sign-up bonus and anniversary bonus miles offer, the Virgin Atlantic World Elite Mastercard is a good option for anyone who enjoys flying with Virgin Atlantic. Beware though, some of the perks, including the companion reward benefit, requires making a lot of purchases on your card annually.
Great earning scheme, mediocre sign-up bonus
Thanks to its high rewards rate, frequent flyers of British Airways can earn a pretty good return on their spending with the Virgin Atlantic World Elite MasterCard, though more mainstream travelers may find it difficult to redeem their rewards.
Thanks to its high rewards rate, frequent flyers of British Airways can earn a pretty good return on their spending with the Virgin Atlantic World Elite MasterCard, though more mainstream travelers may find it difficult to redeem their rewards.
Must have for Virgin Atlantic frequent flyer
If Virgin Atlantic is your preferred airline, you value elite status and your card expenditures will be at least $25,000 annually, you should consider the card. As Virgin Atlantic purchases receive 3 Flying Club miles per dollar, miles can accumulate quickly. The 20,000 -mile sign-up bonus jump s...More
If Virgin Atlantic is your preferred airline, you value elite status and your card expenditures will be at least $25,000 annually, you should consider the card. As Virgin Atlantic purchases receive 3 Flying Club miles per dollar, miles can accumulate quickly. The 20,000 -mile sign-up bonus jump starts your earnings and certainly offsets the $90 annual fee.
Best suited for those who favor Virgin Atlantic over other airlines
The $90 p.a. annual fee for the Virgin Atlantic World Elite Mastercard could be well worth it if you frequently fly with Virgin Atlantic and its partners or even travel at all. It offers multiple rewards for your spending, including bigger returns for travel purchases.
The $90 p.a. annual fee for the Virgin Atlantic World Elite Mastercard could be well worth it if you frequently fly with Virgin Atlantic and its partners or even travel at all. It offers multiple rewards for your spending, including bigger returns for travel purchases.
For dedicated and loyal Virgin Atlantic consumer
For high spenders, this card offers an expensive redemption but it also provides a lot of opportunity to earn award miles.
For high spenders, this card offers an expensive redemption but it also provides a lot of opportunity to earn award miles.
A great airline miles credit card, burdened by a less-than-ideal rewards program
If you don’t mind paying high fees when redeeming award travel, and if Virgin Atlantic offers award flights to destinations you’d like to visit, the Virgin Atlantic World Elite MasterCard® Credit Card can be a good deal.
If you don’t mind paying high fees when redeeming award travel, and if Virgin Atlantic offers award flights to destinations you’d like to visit, the Virgin Atlantic World Elite MasterCard® Credit Card can be a good deal.