Virgin Atlantic American Express White Credit Card

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  • Cash Advance Rate:
  • Intro Balance Transfer Duration:
  • Intro Balance Transfer Fee:
  • Intro Balance Transfer Rate:
  • Representative APR:
  • Standard Purchase Rate:
  • 20.9% p.a.
  • 6 months
  • 2%
  • 0% p.a.
  • 17.9% p.a. variable
  • 17.9% p.a.


  • A great way to earn Flying Club miles with no capping

  • Get upgrades & free flights for a friend or family member

  • Comes with a range of travel insurance cover

  • Cardholders get 10% discount off Virgin Holidays


  • A rather limited balance transfer offer

  • No introductory low interest rate on purchases

  • Cash advances are not cheap

Best Features of the Virgin Atlantic American Express White Credit Card

  • Earn 1 Flying Club mile per £1
  • Get free flight upgrades and free companion flights
  • Includes free travel insurances
  • 10% off Virgin Holidays

Our Review

If you want all the benefits of a travel reward card without the annual management costs, then look no further than the Virgin Atlantic American Express White credit card, the younger sibling to the Virgin Atlantic Black card. With no upfront fees and an impressive reward scheme, the White credit card is a no brainer for anyone who loves to fly.

Who it’s for

Whether it’s shopping at the weekends, or sunning it in the south of France, the Virgin Atlantic White credit card is the perfect companion. With the White card, you are effectively getting rewarded for shopping with the opportunity to exchange reward points for free flights and holiday discounts.


In order to be eligible for the Virgin White credit card, you must be 18 years or older, live in the UK and already hold a bank or building society account. There are no salary requirements and applying takes a matter off minutes.

Balance transfers

If you are looking to transfer your balance across from one or more credit cards, you can take advantage of their 0% p.a. interest offer for the first 6 months! After this period, the interest rate goes up to 17.9% p.a. which is fairly competitive, especially when you consider that Virgin only charge a 2% handling fee.


Virgin don’t offer any introductory rates for the White card. Having said that, they do offer a 46 day interest free period on all purchases so as long as you pay off your balance in full at the end of each month you won’t have to pay interest. The interest rate for purchases thereafter is an impressive, 17.9% p.a. – not bad for a reward card.


The crème de le crème of the White card is its rewards scheme. For every £1 you spend on your card, you’ll receive 1 Flying Club mile. The scheme is very flexible with no limits on where you can earn points and no cap on the amount of Flying Club miles you can accumulate. Virgin will even throw in 3,000 complimentary Flying Club miles with your first purchase.

The scheme doesn’t stop there either! If you spend £10,000 on your card in one year, you’ll receive a free Virgin Atlantic upgrade and if you spend a further £5,000 you can bring a friend along for the journey at no extra charge.

Being a White card account holder also means you get access to the exclusive American Express Selects scheme which gives you discounts on travel, shopping and fine dining.

Cash advances

You can use your Virgin Atlantic White credit card at cash points across the world. Just remember that there is no interest free period, so you’ll be charged the full rate of 20.9% p.a..

Security & fraud protection

Virgin offer all White card account holders a fraud protection guarantee, which means that you won’t incur any personal losses should your credit card be used fraudulently. Virgin also actively monitor accounts and will alert account holders should anything be flagged as being suspicious.


As a travel reward credit card, the Virgin White card is one of the best. With no annual management fee, relatively low interest rates and a comprehensive reward and discount scheme, the Virgin Atlantic American Express White credit card is extremely attractive.