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Virgin Atlantic White Card

ZOOM TOWARDS GREAT REWARDS FASTER

Virgin Atlantic White Card
  • 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.
Cheque transactions 0% 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, credit card cheques, 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 lower rate balances before higher rate balances.
    If introductory rate balances are the same we will repay them as follows:
  • the one which expires first; then
  • if expiry dates are the same - the one which started first; then
  • if the expiry dates, and start dates are the same - the one with the lowest standard rate.
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 Cheque transactions 2% handling fee, min £3
3 Money transfers 2% handling fee, min £3
Standard rate
4 Cash advances 2% handling fee, min £3
5 Balance transfers 2% handling fee, min £3
6 Cheque transactions 2% handling fee, min £3
7 Money transfers 2% handling fee, min £3
8 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

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 2This offer can be withdrawn or amended at any time. Regus 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 2538. ABTA V2043.

Footnote 6If you do not pay your balance in full we will use your payments to reduce lower rate balances before higher rate balances. If promotional rate balances are the same we will repay them in the following order: first, the one with the earliest expiry date; if the expiry dates are the same then the one which started first; if the expiry dates, and the start dates are the same then the one with the lowest standard rate. Promotional 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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