Virgin Atlantic World Elite Mastercard®
in Personal Credit Cards from Bank of America
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| Purchase APR (Variable APR) | 15.99% - 23.99% |
| Balance Transfer APR (Variable APR) | 15.99% - 23.99% |
| Credit Score Range | 700 - 850 |
| Annual Fee | $90 |
Virgin Atlantic World Elite Mastercard® Review
This is a rewards credit card issued by Bank of America. If you're wondering whether Virgin Atlantic World Elite Mastercard® is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- Generous reward rate. You will get a rewards rate of up to 3 miles per dollar spent.
- Signup bonus. Offers a signup bonus of 30000 points after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. Virgin Atlantic World Elite Mastercard® has a variable purchase APR that ranges from 15.99% up to 23.99%.
- 3% Balance transfer fee. Virgin Atlantic World Elite Mastercard® charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
| The Good | The Bad |
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Does Virgin Atlantic World Elite Mastercard® have a cash back or rewards program?
Virgin Atlantic World Elite Mastercard® is a travel rewards card.
| Minimum rewards rate | 1.5x |
| Max rewards rate | 3x |
| Annual rewards limit | N/A |
| Signup Bonus (Points/Miles) | 30000 |
| Signup Bonus Spend Requirement | $1000 |
| Signup Bonus Spend Period (months) | 3 months |
| Annual Loyalty Bonus (Points/Miles) | 15000 |
Does Virgin Atlantic World Elite Mastercard® have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 30000 points signup bonus after spending $1000 that can be redeemed for travel, gifts, or other perks.Does Virgin Atlantic World Elite Mastercard® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus. However, it does include an annual loyalty bonus of 15000 points that can be redeemed for travel, gifts, and other perks.What are the Virgin Atlantic World Elite Mastercard® benefits?
It provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Price Protection
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Virgin Atlantic World Elite Mastercard®?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.It has a variable purchase APR that ranges from 15.99% up to 23.99%. The card has a variable balance transfer APR that ranges from 15.99% up to 23.99%. It also has a variable cash advance APR that ranges from 18.99% up to 26.99%. Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does Virgin Atlantic World Elite Mastercard® have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Virgin Atlantic World Elite Mastercard® have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Virgin Atlantic World Elite Mastercard®?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $90 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | up to $29 |
| Late Payment Fee | up to $40 |
Does Virgin Atlantic World Elite Mastercard® have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Virgin Atlantic World Elite Mastercard®?
The Virgin Atlantic World Elite Mastercard® customer service number is (800) 932-2775.
What is the support contact email for Virgin Atlantic World Elite Mastercard®?
The support contact email for Virgin Atlantic World Elite Mastercard® is customerservicealert@bankofamerica.com.
Does Virgin Atlantic World Elite Mastercard® report your account activity to credit bureaus?
Yes, Virgin Atlantic World Elite Mastercard® reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Virgin Atlantic World Elite Mastercard®
- Visit the Virgin Atlantic World Elite Mastercard® website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
100 North Tryon Street
Charlotte, NC 28255 - (800) 932-2775
- Visit Site
- Email Support
Other Services by Bank of America
Feature Breakdown
| Foreign Currency Transaction Fee | 0% |
| No Foreign Transaction Fee | |
| No Interest Grace Period for Late Payment | 25 days |
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Up to 3% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Annual Fee | $90 |
| Minimum Interest Charge | $1.50 |
| Returned Payment Fee | Up to $29 |
| Late Fee Amount | Up to $40 |
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