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Virgin Atlantic White Credit Card Account

Earn up to 10,000 bonus miles when you apply by 3 April 2017 and spend £1000 on card purchases within 90 days of account opening.1

0% on balance transfers for up to 6 months from the date your account is opened (3% handling fee). When this offer comes to an end a standard rate of 22.9% p.a. (5% handling fee) applies.

All standard interest rates and handling fees are variable, so may differ from those shown after your offer ends.

Representative example:
22.9% p.a. (variable) on card purchases. This is equivalent to 22.9%APR representative (variable). Based on a £1,200 credit limit.

Key Benefits

  • Receive a Premium Economy reward upgrade on your Economy redemption when you spend £10,000 on the Virgin Atlantic White American Express® Credit Card in one year. You can earn up to 2 upgrades a year.3

  • Spend £15,000 on the Virgin Atlantic White American Express® Credit Card and receive a complimentary companion reward flight (just pay the taxes and charges) when you purchase a full fare qualifying flight.4

  • Earn double miles on spend directly with Virgin Atlantic, and via telephone with Virgin Holidays.2

Check your eligibility before you apply.

Find out if you are eligible before applying. As part of the eligibility check a quotation search will be carried out which won’t show up on your credit record as a full search so it won’t affect your credit rating.

Eligibility for this credit card depends on your circumstances and the results of the eligibility check.

Useful Information

Eligibility Criteria

•    You’re a UK resident.
•    You’re aged 18 or over.
•    You’ve had a permanent UK address for 3 years or more.
•    You have a good credit rating/history.
•    You’re not unemployed or a student.

You'll need to provide

•    Your address history for at least 3 years.
•    Contact details, including an email address.
•    Employment and salary information
•    UK bank account details.

Check Eligibility

Virgin Atlantic Black Credit Card Account

Earn up to 25,000 bonus miles when you apply by 3 April 2017 and spend £3000 on card purchases within 90 days of account opening.5

0% on balance transfers for up to 6 months from the date your account is opened (3% handling fee). When this offer comes to an end a standard rate of 22.9% p.a. (5% handling fee) applies.

All standard interest rates and handling fees are variable, so may differ from those shown after your offer ends.

Representative example:
22.9% p.a. (variable) on card purchases. This is equivalent to 57.4%APR representative (variable). Based on a £1,200 credit limit.

Key Benefits

  • Receive a Premium Economy reward upgrade on your Economy redemption when you spend £5,000 on the Virgin Atlantic Black American Express® Credit Card in one year. You can earn up to 2 upgrades a year.6

  • Spend £7,500 on the Virgin Atlantic Black American Express® Credit Card and receive a complimentary companion reward flight (just pay the taxes and charges) when you purchase a full fare qualifying flight.7

  • Earn double miles on spend directly with Virgin Atlantic, and via telephone with Virgin Holidays.2

Check your eligibility before you apply.

Find out if you are eligible before applying. As part of the eligibility check a quotation search will be carried out which won’t show up on your credit record as a full search so it won’t affect your credit rating.

Eligibility for this credit card depends on your circumstances and the results of the eligibility check.

Useful Information

Eligibility Criteria

•    You’re a UK resident.
•    You’re aged 18 or over.
•    You’ve had a permanent UK address for 3 years or more.
•    You have a good credit rating/history.
•    You’re not unemployed or a student.

You'll need to provide

•    Your address history for at least 3 years.
•    Contact details, including an email address.
•    Employment and salary information
•    UK bank account details.

Check Eligibility

Flying Club miles are earned on card purchase transactions only. The Flying Club is provided by Virgin Atlantic. You will not be able to earn Flying Club miles if you are in breach of your terms and conditions, for example if you haven't paid on time or have gone over your credit limit.

1 Bonus Flying Club miles - you will earn 3,000 Flying Club miles on your Virgin Atlantic White Credit Card Account if you make your first card purchase within 90 days of your account being opened. You will also earn an additional 7000 Flying Club miles on your Virgin Atlantic White Credit Card Account if you apply by 3 April 2017 and spend £1000 on card purchases within the first 90 days of your account opening date. The Flying Club miles will be credited to your Flying Club account within 30 days of your statement date. If you have not provided MBNA with a valid Flying Club membership number at the point your statement is generated, Virgin Atlantic will not be able to allocate Flying Club miles to your account.

2 Double miles are earned on bookings made direct with Virgin Atlantic either online or by telephone, and with Virgin Holidays by telephone only. This does not include purchases made through Virgin Flightstore and Virgin Holidays in store concessions.

3 Spend £10,000 on card purchases on the Virgin Atlantic White American Express® Credit Card by the end of any year and you will receive a Premium Economy reward upgrade that, subject to availability, enables you to convert an Economy reward redemption (an Economy flight bought with your Flying Club miles) into a Premium Economy reward redemption on Virgin Atlantic. Plus, spend another £10,000 on the Virgin Atlantic White American Express® Credit Card in that year and earn another Premium Economy reward upgrade. The main cardmember can earn a maximum of two Premium Economy reward upgrades per card account in any one year. Premium Economy reward upgrades are valid for 12 months from the date they are added to your Flying Club account. Card purchases exclude cash advances, money transfers and balance transfers. A year is defined by the 12 month period starting from the date your Virgin Atlantic Credit Card Account was opened. MBNA will notify Virgin Atlantic of your eligibility within 30 days of the end of the year. The reward will be added to your account within a week of Virgin Atlantic being advised by MBNA. Cardmembers must pay taxes, fees and charges relating to the complimentary Premium Economy reward upgrade. These will vary according to the destination, and are subject to change as a result of fluctuations in taxes, airport levies and exchange rates. Flights and routes are strictly subject to availability. Premium Economy reward upgrades must be redeemed through the Flying Club Helpline prior to travel by calling 03444 122 414 and are not available through airport check-ins. Once you have redeemed your Premium Economy reward upgrade you may not use miles to upgrade to Upper Class. This offer may be withdrawn or amended at any time. Flying Club Terms & Conditions apply, please visit www.virginatlantic.com/premiumeconomyupgrade/tsandcs. You will not earn this incentive if you have not provided MBNA with a valid Flying Club membership number.

4 Spend £15,000 on card purchases on the Virgin Atlantic White American Express® Credit Card by the end of any year and you will be eligible to receive a complimentary companion return flight reward the next time you book a full fare qualifying flight with Virgin Atlantic. (A full fare qualifying flight are those tickets purchased in booking classes: Y,B,R,L,U,M,E,Q,X,W,S,H,J,C,D and I. Companion rewards cannot be booked online, only over the phone, so agents are able to explain the booking classes at time of booking.) The main cardmember can only earn one companion return flight reward per card account in any one year. A companion reward is valid for 12 months from the date it is added to your Flying Club account. Card purchases exclude cash advances, money transfers and balance transfers. A year is defined by the 12 month period starting from the date your Virgin Atlantic Credit Card Account was opened. MBNA will notify Virgin Atlantic of your eligibility within 30 days of you becoming eligible. The reward will be added to your account within a week of Virgin Atlantic being advised by MBNA. The member and companion must travel with Virgin Atlantic, on the same flight and date, be in the same cabin class, and the Flying Club member's ticket must be purchased at a qualifying adult fare. Cardmembers must pay taxes, fees and charges relating to the complimentary companion return flight reward. These will vary according to the destination, and are subject to change as a result of fluctuations in taxes, airport levies and exchange rates. Companion rewards are not valid for flights purchased through Virgin Holidays, Virgin Atlantic Vacations or any other tour operator. Other exemptions include flights purchased at promotional rates, group fares or other selected discount levels. All Virgin Atlantic reward seat travel is strictly subject to availability. The number of redemption seats available on each flight is restricted and it is possible that the seats allocated on a particular flight may be fully booked, even though seats are still available in other booking classes. Some flights may have no availability on certain routes, and popular dates will fill quickly (i.e. weekends, school holidays and public holidays) and Virgin Atlantic cannot guarantee availability. More seats for a particular flight may become available closer to departure. Information online regarding our latest redemption seat availability is a guide only and is correct at time of publication. This offer may be withdrawn or amended at any time. Flying Club Terms & Conditions apply, please visit www.virginatlantic.com/companionticket/tsandcs. You will not earn this incentive if you have not provided MBNA with a valid Flying Club membership number. For bookings please contact the Flying Club Helpline on 03444 122 414.

5 Bonus Flying Club miles - you will earn 18,500 Flying Club miles on your Virgin Atlantic Black Credit Card Account if you make your first card purchase within 90 days of your account being opened. You will also earn an additional 6,500 Flying Club miles on your Virgin Atlantic Black Credit Card Account if you apply by 3 April 2017 and spend £3,000 on card purchases within the first 90 days of your account opening date. The Flying Club miles will be credited to your Flying Club account within 30 days of your statement date. If you have not provided MBNA with a valid Flying Club membership number at the point your statement is generated, Virgin Atlantic will not be able to allocate Flying Club miles to your account.

6 Spend £5,000 on card purchases on the Virgin Atlantic Black American Express® Credit Card by the end of any year and you will receive a Premium Economy reward upgrade that, subject to availability, enables you to convert an Economy reward redemption (an Economy flight bought with your Flying Club miles) into a Premium Economy reward redemption on Virgin Atlantic. Plus, spend another £5,000 on the Virgin Atlantic Black American Express® Credit Card in that year and earn another Premium Economy reward upgrade. The main cardmember can earn a maximum of two Premium Economy reward upgrades per card account in any one year. Premium Economy reward upgrades are valid for 12 months from the date they are added to your Flying Club account. Card purchases exclude cash advances, money transfers and balance transfers. A year is defined by the 12 month period starting from the date your Virgin Atlantic Credit Card Account was opened. MBNA will notify Virgin Atlantic of your eligibility within 30 days of the end of the year. The reward will be added to your account within a week of Virgin Atlantic being advised by MBNA. Cardmembers must pay taxes, fees and charges relating to the complimentary Premium Economy reward upgrade. These will vary according to the destination, and are subject to change as a result of fluctuations in taxes, airport levies and exchange rates. Flights and routes are strictly subject to availability. Premium Economy reward upgrades must be redeemed through the Flying Club Helpline prior to travel by calling 03444 122 414 and are not available through airport check-ins. Once you have redeemed your Premium Economy reward upgrade you may not use miles to upgrade to Upper Class. This offer may be withdrawn or amended at any time. Flying Club Terms & Conditions apply, please visit www.virginatlantic.com/premiumeconomyupgrade/tsandcs. You will not earn this incentive if you have not provided MBNA with a valid Flying Club membership number.

7 Spend £7,500 on card purchases on the Virgin Atlantic Black American Express® Credit Card by the end of any year and you will be eligible to receive a complimentary companion return flight reward the next time you book a full fare qualifying flight with Virgin Atlantic. (A full fare qualifying flight are those tickets purchased in booking classes: Y,B,R,L,U,M,E,Q,X,W,S,H,J,C,D and I. Companion rewards cannot be booked online, only over the phone, so agents are able to explain the booking classes at time of booking.) The main cardmember can only earn one companion return flight reward per card account in any one year. A companion reward is valid for 12 months from the date it is added to your Flying Club account. Card purchases exclude cash advances, money transfers and balance transfers. A year is defined by the 12 month period starting from the date your Virgin Atlantic Credit Card Account was opened. MBNA will notify Virgin Atlantic of your eligibility within 30 days of you becoming eligible. The reward will be added to your account within a week of Virgin Atlantic being advised by MBNA. The member and companion must travel with Virgin Atlantic, on the same flight and date, be in the same cabin class, and the Flying Club member's ticket must be purchased at a qualifying adult fare. Cardmembers must pay taxes, fees and charges relating to the complimentary companion return flight reward. These will vary according to the destination, and are subject to change as a result of fluctuations in taxes, airport levies and exchange rates. Companion rewards are not valid for flights purchased through Virgin Holidays, Virgin Atlantic Vacations or any other tour operator. Other exemptions include flights purchased at promotional rates, group fares or other selected discount levels. All Virgin Atlantic reward seat travel is strictly subject to availability. The number of redemption seats available on each flight is restricted and it is possible that the seats allocated on a particular flight may be fully booked, even though seats are still available in other booking classes. Some flights may have no availability on certain routes, and popular dates will fill quickly (i.e. weekends, school holidays and public holidays) and Virgin Atlantic cannot guarantee availability. More seats for a particular flight may become available closer to departure. Information online regarding our latest redemption seat availability is a guide only and is correct at time of publication. This offer may be withdrawn or amended at any time. Flying Club Terms & Conditions apply, please visit www.virginatlantic.com/companionticket/tsandcs. You will not earn this incentive if you have not provided MBNA with a valid Flying Club membership number. For bookings please contact the Flying Club Helpline on 03444 122 414.

If you make card purchases, you will pay interest on these transactions, unless you pay your statement balance in full, every month or if you have a retail promotional interest rate of 0% on your account.

* Promotional offers will no longer apply from the beginning of any statement period during which you have breached your terms and conditions, for example if you haven’t paid on time or have gone over your credit limit. You cannot transfer balances between MBNA accounts.

The Virgin Atlantic Credit Cards are issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England and Wales under company number 02783251. Authorised and regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services. American Express® is a registered trademark of the American Express company. MBNA Limited issue the MBNA American Express® Credit Card pursuant to a licence from American Express. Credit is available, subject to status, only to UK residents aged 18 or over.

Calls and online sessions (e.g. completing an application) may be monitored and/or recorded for quality evaluation, training purposes and to ensure compliance with laws and regulations.