Virgin Atlantic Card by Bank of America

intro purchase APR no intro offerregular APR12.74 - 19.74% (V)
intro BT APR 12.74-19.74 3% min $10
rewards 1.5-3 miles/$1 +20,000 miles bonus
  • earn 3 miles per dollar on all Virgin Atlantic purchases
  • earn 1.5 miles per dollar on all other purchases
  • get 20,000 miles bonus after first card purchase
  • get 15,000 miles annual bonus
  • +5,000 miles for additional cardholders


good credit required

$90 annual fee

1.5-3 miles/$1 rewards rate

+20,000 bonus miles

Editors Review


  • Sign-up bonus 20,000 miles after first purchase
  • 15,000 bonus miles every anniversary of your card account
  • 5,000 bonus miles on adding new cardholders
  • Total up to 40,000 miles bonus in the first year
  • Earn tier points towards Silver or Gold status in Virgin loyalty program – 1 tier point for $2,500 in purchases (maximum 2 points per month)
  • 3 miles per $1 on Virgin Atlantic purchases
  • 1.5 miles per $1 on all purchases
  • Second reward ticket for half the miles when redeeming for Virgin Atlantic economy tickets
  • Low 12.74% APR
  • Low 1% international transaction fee (3% is common across banks)
  • EMV chip on the card for security and worldwide acceptance


  • High $90 annual fee


The card offers a good rewards rate:

  • 1.5 miles per $1 spent (vs. average 1 mile)
  • 3 miles for Virgin Atlantic purchases (other airline cards usually offer you 2 miles per $1)

Experts say that Virgin Atlantic miles cost about 1.5 cents per mile which is not the best miles value, but still well above the average. For comparison, one of the best: Alaskan Airlines offers 2 cents per 1 mile, and Chase offer 2.1 cents per mile. 

The only real drawback is a $90 annual fee, but if you are an active card user, you can earn 40,000 miles ($600 equivalent) in the first year of your membership.

Last updated: 01/25/2017

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