Offered by: Barclaycard

Virgin America Visa® Signature Card

  • Earn up to 15,000 bonus points
  • Enjoy 3 Points per $1 on Virgin America purchases
  • Earn 1 Point per $1 spent everywhere else
  • Low Intro rate on balance transfers for the first 15 months after account opening
  • $150 off a companion ticket every year
  • No blackout dates on any seat, at any time for reward flights
  • Please see terms and conditions for complete detail
730 Average Credit Score Approved for this Card
636 Lowest Credit Score Approved for this Card
Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
  15 Months  

N/A

 

15.99% or 24.99%*

Variable

0%

 

15.99% or 24.99%*

Variable

* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Take Offer" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate

25.24%

Annual Fee

$49

Late Fee

Up to $35

Cash Advance Fee

5%, Min: $10

Balance Transfer Fee

4%, Min: $10

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost

‑$702

$0

$0

Interest Savings on Transferred Balance

$4,051

$2,192

$1,219

Interest Savings on New Purchases

$611

$1,648

$3,406

Value of Rewards on New Purchases

$474

$474

$474

Value of Bonus Points

$150

$0

$0

Annual & Application Fees

‑$49

‑$49

‑$49

 
Savings:
Total Annual Savings

$4,535

$4,265

$5,051

Total Savings over 3 Years

$13,851

Credit Card Usage Profile

Transfer a Balance

  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: $49
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Compare Holders of This Card

Virgin America Visa® Signature Card Cardholder Comparison Coming Soon!

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4 Cardholder Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.

Most Recent Reviews

Great Card While It Lasted

I didn't use this card much, but when I needed a VISA, I'd always bust this out and I'd ear VX points on purchases I was going to make anyway. Using it on VX purchases only gave me more points, and it was nice just slowly and steadily racking up points using this card on an average of 5-7 times a month.

I even got a 10,000 bonus for signing up! I guess others got 20,000 bonus points, and had I known that was being offered, I would have tried to see if I could get the same deal (I'll admit I didn't do the research fully).

Also, the Companion Ticket was amazing. Ultimately, you still get a discount, since the card costs $49 annually and the once-a-year discount ticket was $150 off. However, I noticed that this year, there were far more blackout dates to use the discount ticket, compared to last year.

In fact, VX was quite ruthless about it this year. I looked it up - EVERY SINGLE holiday weekend is blacked out if you want to travel during this annual cycle. Last year, some holidays were blacked out, but you could still use the discount on Christmas!

But overall, I had no complaints. I'm just sad that this card is ending. Barclay and VX are discontinuing their relationship, so alas, my card will end by the end of this year. (And Barclay is transfering my account to the new Arrival World Mastercard, which from what I read, seems to be the best frequent flyer card out there.)

However, I think VX is launching a new credit card in January, so keep your ears peeled for that!

Dec 03, 2013
WJh Helpful to 1 out of 1 people

The website is very user unfriendly. Also it give you a log in name and then asks for your email address!  It cannot remember your password and you constantly have to call customer service for a new one. 

Customer Service are foreign and almost impossilbe to understand. They have a prepared script and if you deviate from it you have to begin again. Overall very frustrating experiences. 

Jun 18, 2013
Helpful to 1 out of 1 people

Virgin America is by far the best airline in the USA. This card gets you flying them faster with NO blackouts, plus you can take advantage of airfare sales to fly Free MUCH faster than on other airlines. You can also use the points on Virgin Atlantic or Virgin Australia.

Oct 06, 2012
Excited for companion ticket discount! Helpful to 2 out of 2 people

Admittedly, I JUST got this card, so I haven't had the chance to start using it yet. I was approved for a $3,500 limit with a credit score of 737. The new card immediately showed up in my credit notifications and my score jumped to 761 - finally rated "excellent"!

I'm most excited about the $150 discount on a companion ticket each year because my husband and I love flying Virgin. The card does come with a $49 annual fee, but as long as we use the companion ticket, it'll quickly pay for itself.

BethyH's response was:    

  Oct 04, 2012

BethyH(1, 2)

Review by BethyH

1 Contributions 2 People Helped

† Credit Karma members have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.