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Virgin Atlantic White Card

ZOOM TOWARDS GREAT REWARDS FASTER

The Virgin Atlantic White Card...the fastest non-fee card to earn Flying Club miles with every day.
  • 3,000 bonus Flying Club miles on your first card purchaseFootnote 1
  • 1 Flying Club mile for every £1 you spend
  • 2 Flying Club miles for every £1 spent direct with Virgin Atlantic, Virgin Holidays and Regus business centresFootnote 2
  • Spend £10,000 on your card in a year and you'll receive a Premium Economy reward upgrade on an Economy redemption booking
  • Spend £15,000 on your card in a year and enjoy a complimentary companion reward flight, so you can bring a friend with you, on usFootnote 4
  • 10% off all Virgin Holidays packagesFootnote 5
  • No annual fee
  • 0% on balance transfers for 6 months from the date your account is openedFootnote 6. 2% handling fee applies
  • Plus all the essential extras

  • Typical rate 17.9% APR (variable).

READY?

To apply, you’ll need to be:

  • 18 years of age or over
  • A UK resident
And you’ll need to have:

  • Your bank or building society details handy
  • Details of any loans or balances you want to transfer (although you won’t be able to transfer balances from other MBNA issued cards)
  • Your Flying Club membership number (if you have one)

Please read the 'Summary box' below as it contains important information.


SUMMARY BOX

The information contained in this table summarises key product features and is not intended to replace any terms and conditions

APR:
  • Typical rate 17.9% APR (variable)
Interest rates
Introductory rateMonthly rateAnnual rate
Purchases: n/a1.3852%17.9% p.a.
Cash advances n/a 1.5976%20.9% p.a.
Balance transfers0% for 6 months 1.3852%17.9% p.a.
Money transfers 0% for 6 months 1.3852%17.9% p.a.
Interest free period
  • Maximum 46 days on purchases only, if you pay your statement balance in full and on time every month.
  • No interest free period for balance transfers, money transfers or cash advances.
  • This is subject to any interest free promotional offer.
Interest charging information

You will not pay interest on new purchases if:

  • your previous statement was paid in full and on time; and
  • you pay your current statement in full and on time
Otherwise the period over which interest is charged is as follows:
FromUntil
All transactionsdate debited to your accountpaid in full
Allocation of payments If you do not pay your balance in full we will use your payments:
  • to reduce higher rate balances before lower rate balances.
If any transaction types have the same interest rate then we will repay:
  • the introductory rate before the standard rate
If two or more introductory rates have the same interest rate then we will repay:
  • the one with the earliest start date; if the start dates are the same then we will repay the one with the highest standard rate.
Remaining balances will be paid off in this order:
  • purchases, balance transfers, cash advances, money transfers.
For further details please refer to your terms and conditions.
Minimum repayment
  • Your balance (if this is less than £25); or
  • whichever is the greater of: £25; or 1% of your statement balance before any default charges and interest (to which we'll then add the default charges and interest).
Credit limit
Minimum credit limitNone
Maximum credit limitSubject to status
Fees
  • No annual fee
Charges
Introductory rate
1 Balance transfers 2% handling fee, min £3
2 Money transfers 2% handling fee, min £3
Standard rate
3 Cash advances 2% handling fee, min £3
4 Balance transfers 2% handling fee, min £3
5 Money transfers 2% handling fee, min £3
6 Foreign currency 2.75% commission fee (of which American Express retain 1%)
Default charges
If your payment is late, if you exceed your credit limit, if your payment fails.£12
As we are no longer issuing credit card cheques, we regret that the cheque transaction facility is not available on this account.

Terms & Conditions

Click here for full Flying Club Terms & Conditions

When you apply for a Virgin Atlantic Credit Card you will be taken to MBNA's application form, which will be subject to a different Privacy and Security policy than www.virginatlantic.com

Footnote 1Bonus miles will be credited to your Flying Club account after your first card purchase, providing you use your card within 90 days of your account opening and supply your Flying Club membership number. Please allow six to eight weeks for bonus miles to be added to your account.

Footnote 2Double miles are earned on bookings made direct with Virgin Atlantic or Virgin Holidays either online or by telephone, and not via Virgin Holidays stores. The Regus offer can be withdrawn or amended at any time. Terms & conditions apply and can be found at regus.com/vaaterms

Find out more about the Premium Economy reward upgrade terms & conditions.

Footnote 4Find out more about the complimentary companion reward flight terms & conditions.

Footnote 5Virgin Holidays standard terms and conditions apply. 10% discount will be given to Virgin Atlantic Credit Card customers on all package holidays excluding insurance and accommodation only bookings. Discount does not apply to fuel surcharges, Airport Passenger Duty or personal travel insurance elements. Bookings must be made directly with the Virgin Holidays Call Centre by ringing 0844 557 3886 and not online. You must quote 'Virgin Atlantic American Express' at the time of booking to be eligible for the discount. Discount cannot be combined with any other offer, promotion or discount including Frequent Virgin Club membership & Tesco Clubcard points. When paying by credit card a 2% surcharge applies. This offer may be withdrawn or amended at any time. ATOL protected 2358. ABTA V2043.

Footnote 6Promotional rates will no longer apply from the beginning of any statement period during which you have breached your terms and conditions.


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