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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
Highlights
Balance Transfer APR  (Variable APR) 16.99% - 24.99%
Credit Score Range 700 - 850
Annual Fee $90
Purchase APR  (Variable APR) 16.99% - 24.99%

Virgin Atlantic World Elite Mastercard® Review

Virgin Atlantic World Elite Mastercard® 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 is everything you need to know to make a good choice.

  • Generous reward rate. You will get a a rewards rate of up to 3x.
  • 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 of up to 24.99%.
  • 3% Balance transfer fee. Virgin Atlantic World Elite Mastercard® charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $10.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you 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, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
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
  • Multiple credit card perks.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • Virgin Atlantic World Elite Mastercard® reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty and price protection on purchases.
  • Free access to your credit score.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • 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 up to $90.
  • Charges a 3% balance transfer fee

Is there a Virgin Atlantic World Elite Mastercard® cash back or rewards program?

Virgin Atlantic World Elite Mastercard® offers a rewards program to its customers.

Virgin Atlantic World Elite Mastercard® Rewards
Rewards rate (all purchases) 1.5%
Max rewards rate 3%
Annual rewards limit N/A
Signup Bonus ($) 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?

Virgin Atlantic World Elite Mastercard® 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?

Virgin Atlantic World Elite Mastercard® 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?

Virgin Atlantic World Elite Mastercard® 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
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Virgin Atlantic World Elite Mastercard®?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance.

Virgin Atlantic World Elite Mastercard® has a variable purchase APR that ranges from 16.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 16.99% up to 24.99%. It also has a variable cash advance APR that ranges from 19.99% 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 introductory APR offer on balance transfers??

No, Virgin Atlantic World Elite Mastercard® does not come with an introductory APR offer for balance transfers.

Does Virgin Atlantic World Elite Mastercard® have an introductory APR offer on new purchases??

Virgin Atlantic World Elite Mastercard® does not offer an introductory rate on new purchases.

What are the Virgin Atlantic World Elite Mastercard® fees?

The following fees apply to Virgin Atlantic World Elite Mastercard®:

Virgin Atlantic World Elite Mastercard® Fees
Fees Amount
Annual Fee up to $90
Foreign Transaction Fee 0%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $10
Returned Payment Fee $28
Late Payment Fee $39

Does Virgin Atlantic World Elite Mastercard® have a foreign transaction fee?

Virgin Atlantic World Elite Mastercard® does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does Virgin Atlantic World Elite Mastercard® report your account activity to credit bureaus?

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 can help improve your credit score.

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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...

Feature Breakdown

Airfare (Points) 3
Every Purchase (Points) 3 miles per $1 spent directly on Virgin Atlantic purchases. 1.5 miles per $1 spent on all other purchases
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 (%) 3%
Annual Fee $90
Minimum Interest Charge $1.50
Returned Payment Fee $28
Late Fee Amount $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Tax Returns
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
Card Type
  • Airline
  • Bonus Offers
  • Rewards
  • Travel
Card Network Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Lost Luggage Insurance  
Flight Insurance  
Emergency Support  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
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
Free FICO Score  
Bonus Rewards 30,000 Flying Club bonus miles after spending $1,000 or more in purchases within the first 90 days of account opening. Earn up to 15,000 Flying Club bonus miles every anniversary after qualifying purchases. Earn up to 5,000 Flying Club bonus miles when you add additional authorized users to your card
Annual Loyalty Bonus (points) 15,000
Rewards Categories
  • Airfare
  • Every Purchase
Signup Bonus (points) 30,000
Cash Advance APR (Variable APR) 19.99% - 26.99%
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 16.99% - 24.99%
Balance Transfer APR (Variable APR) 16.99% - 24.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%

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