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I'm an existing American Express® Card member. Can you let me know what's going to happen to my Card?

Please call Bank of America at 1-800-531-6058, and they will be able to assist you with your query.

Am I eligible?

If you can answer YES to the following questions, you're eligible to apply:

  • Are you at least 18 years old? (or over 21 years old if a permanent resident of Puerto Rico)
  • Do you currently reside in the U.S?

How do I apply?

You can apply on this website (opens in a new window). It's easy, only takes a few minutes, and is secure. Apply now (opens in a new window).

How long will it take before I get an answer?

If your application is approved, we aim to have a card in your hand within 7-10 working days. If you have any questions in the meantime, contact our customer helpline on 1.800.531.6058.

Is it easy to transfer a balance from another credit card?

It only takes a few minutes online (opens in a new window) to begin the transfer process, or by calling Bank of America at 1.800.531.6058. Fees may apply.

Where can I use my Virgin Atlantic Card?

You can use your credit card wherever you see the MasterCard® brand mark. You can withdraw cash from ATM machines. Fees may apply.

If you need more info on whether you can use your card in a particular country, just give us a ring, any time of the day or night at 1.800.531.6058.

Can I manage my card online or over the phone?

Sure thing. You can check on your credit card balance, statement and recent transactions, pay your credit card bill or transfer a balance, all online. You can even securely check your PIN. Or you can call Bank of America at 1.800.531.6058.

The card service’s team works 24/7 all year round, so there’ll be someone available even if you lose your credit card. You can even call them on Christmas Day. Naturally you can also get your regular monthly credit card statement through the post.

Where can I find out about charges, fees and interest rates?

Contact Bank of America at 1.800.531.6058 for information about charges and interest rates.

What are chip cards?

Chip cards are like the credit card you have today, but include an embedded microchip. The chip contains information that is encrypted making it difficult for the card to be copied or counterfeited so it provides better protection against fraud when making purchases at chip-enabled merchant terminals. Your chip card will also have the usual magnetic stripe on the back so that you can continue using your card while merchants are transitioning to new chip-enabled terminals.

What are the benefits of chip technology?

As chip technology will soon become the security standard in the U.S, many merchants are beginning to accept chip cards. You’ll enjoy greater security when making purchases at a chip-enabled terminal since the chip provides better protection against counterfeit fraud.

Chip technology is already used in over 130 countries around the world, including Canada, Mexico and the United Kingdom, so you’ll enjoy greater acceptance when traveling internationally.

How is this card different from a magnetic stripe card?

A chip card looks just like a traditional card with an embedded chip in addition to the standard magnetic stripe on the back of the card. When a chip card terminal is available, rather than swiping your card, you will insert your chip card into the terminal to complete the transaction.

How does chip technology work?

Whether your card is inserted into the terminal or tapped on the terminal, the chip communicates with the terminal to determine whether or not the card is authentic. Once approved, you will need to provide your signature to complete the transaction.

Are chip cards new?

Although chip cards are relatively new in the U.S, they have been used elsewhere for many years. In some countries, particularly in Europe, merchants may be more familiar with accepting chip cards. This means your chip card can be used at any terminal in any country that accepts MasterCard® chip cards.

Where can I use my chip card?

Use your chip card at the exact same merchants you do now - by inserting the card into terminals that are chip enabled or swiping your card at merchant locations that have not yet switched to chip-enabled terminals. You can also continue to use your card as you did before for online payments, telephone payments, and at ATMs.

What is Flying Club?

Flying Club is Virgin Atlantic's loyalty program where you'll enjoy:

  • Miles every time you take a revenue flight with us
  • A vast amount of rewards to choose from
  • Partners from around the globe to earn and spend with
  • The ability to move up through our membership tiers for great benefits

Read more about Flying Club

How do I join Flying Club?

If you're interested in Virgin Atlantic's rewards program, simply join Flying Club here.

How do I earn Flying Club miles with my credit card?

With the Virgin Atlantic Black Card you will earn:

  • 3 miles for every $1 spent directly on Virgin Atlantic purchases
  • 1.5 miles for every $1 spent on all other purchases

With the Virgin Atlantic White Card you will earn:

  • 3 miles for every $1 spent directly on Virgin Atlantic purchases
  • 1 mile for every $1 spent on all other purchases

Can I earn tier points with my credit card?

With the Virgin Atlantic Black Card you will earn 1 tier point for every $2,500 you spend, with a maximum of 2 tier points per month. Combine those with the tier points you'll earn when you fly Virgin Atlantic and you will be on your way to Flying Club Silver and Gold!

When will my miles be credited to my Flying Club account?

Every month, on your credit card statement, we'll show the number of miles you've earned that month. Please note that Flying Club miles will be allocated to your Flying Club account at the beginning of each calendar month. Therefore, dependent on when you receive your statement, it may be possible that miles do not show on your credit card statement until the following month.

To redeem your miles, visit Flying Club for more information.

How do I redeem my Flying Club miles?

You redeem them in the same way you spend Flying Club miles you earn elsewhere, by choosing from a huge variety of rewards on offer from Virgin Atlantic, including flights with Virgin Atlantic and partner airlines, hotel stays, car rentals, etc.

Visit Flying Club for more information.

How do I qualify for my companion reward flight?

Spend $25,000 in purchases in a year and redeem miles for a Virgin Atlantic Airways Economy reward ticket and get a second reward ticket for half the miles.

Please note the minimum spend amount needs to be on card purchases (that doesn't include balance transfers, check payments or cash withdrawals).

Can I change my mind later if I want the other version of the Virgin Atlantic Card?

If later on you wish you had the other card, simply apply for it. You can keep your other Virgin Atlantic Card as well, or close it and pay off the balance in full.