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  Virgin Atlantic World Elite Mastercard®

Virgin Atlantic World Elite Mastercard®

in Personal Credit Cards from Bank of America

Unaffiliated

Virgin Atlantic World Elite Mastercard®

Unaffiliated

in Personal Credit Cards from Bank of America

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Highlights
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.

Key Takeaways
  • 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.
Pros & Cons of Virgin Atlantic World Elite Mastercard®
The Good The Bad
  • Get a companion reward in the same cabin class when you redeem Flying Club miles for a Virgin Atlantic reward ticket. Must spend $25,000 or more in purchases annually to qualify
  • You earn 25 tier points per $2,500 in purchases (maximum of 50 per month) and additional tier points when you fly Virgin Atlantic or our airline partners
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty and price protection on purchases.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Virgin Atlantic World Elite Mastercard® reports to multiple credit bureaus.
  • There is annual fee of $90 to consider when applying
  • In order to receive companion reward benefit, you need to spend $25,000 or more in purchase annually
  • Requires good to excellent credit.
  • Charges an annual fee of $90
  • Charges a 3% balance transfer fee.
Virgin Atlantic World Elite Mastercard® FAQ

Does Virgin Atlantic World Elite Mastercard® have a cash back or rewards program?

Virgin Atlantic World Elite Mastercard® is a travel rewards card.

Virgin Atlantic World Elite Mastercard® Rewards
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:

Virgin Atlantic World Elite Mastercard® Fees
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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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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
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Annual Loyalty Bonus (points) 15,000
Rewards Categories
  • Points on Travel
  • 3x Points on Airfare
  • 1.5x Points on Every Purchase
Signup Bonus (points) 30,000
Cash Advance APR (Variable APR) 18.99% - 26.99%
Balance Computation average daily balance (including new purchases).
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 15.99% - 23.99%
Balance Transfer APR (Variable APR) 15.99% - 23.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Airline
  • Bonus Offers
  • Rewards
  • Travel
Card Network Mastercard

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