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Virgin Atlantic World Elite Mastercard® review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
19.99% ‐ 27.99% (Variable)
Interest Rate: Purchases
19.99% ‐ 27.99% (Variable)
Balance Transfer
19.99% ‐ 27.99% (Variable)
Balance Transfer
19.99% ‐ 27.99% (Variable)
1.5 - 3 Miles
1.5 - 3 Miles
Signup Bonus
30000 miles (after spending $1,000)
Signup Bonus
30000 miles (after spending $1,000)

Informr score
The Virgin Atlantic World Elite Mastercard® currently has an Informr score of 7.4 out of 10. This score is based on our evaluation of 13 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Virgin Atlantic World Elite Mastercard® is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

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...


Regular travelers on Virgin Atlantic may benefit from having this Mastercard in their wallet. However, if you’re more inclined to fly on one of Virgin Atlantic’s partner airlines, such as Delta or Air New Zealand, there’s even more reason to pick this as one of the best airline credit cards to have...

- Kevin Payne, FinanceBuzz

While it’s highly rewarding, the Virgin Atlantic World Elite Mastercard might not be worth its fee for those who plan to use the card only occasionally. True, with its $90 annual fee, you could justify the expense, or close to it, merely from the rewards earned from a single high-season transatlanti...

- Paul Reynolds, Investopedia

Virgin Atlantic fans will find real value in this credit card, but only those that are willing to charge at least $25,000 per year will get the most benefit. You should also be aware that the fees for your free flights may add up to a significant amount every time you redeem your rewards.

- Shannon Serpette, LendEDU

Airline credit cards cater to the most loyal frequent flyers looking for perks when traveling — and the Virgin Atlantic World Elite MasterCard® Credit Card does just that. With this card, you have the chance to earn lots of valuable points, anniversary benefits and elite status. While the Flying Clu...

- Stella Shon, ValuePenguin
One Mile at a Time
One Mile at a Time

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. In general, I’d much rather use a card e...

- Ben Schlappig, One Mile at a Time


Interest Rates
Regular APR Interest Rate 19.99% ‐ 27.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 19.99% ‐ 27.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 22.99% ‐ 29.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $90.00
Balance Transfer Fee 3%

Cash Advance Fee 3%

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00


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
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
  • Earn up to 15,000 Flying Club bonus miles every anniversary after qualifying purchases.
  • Get a companion reward in the same cabin class when you redeem Flying Club miles for a Virgin Atlantic reward ticket. Must spend $25,000 or more in purchases annually to qualify.
Features & Benefits
Additional Card Holders

Earn up to 5,000 bonus Virgin Points when you add additional cardholders to your account

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, Google Pay
Virtual Cards No
Additional Benefits
  • Online Shopping Security
  • Online & Mobile Banking
  • Overdraft Protection
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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