Credit Card Review & Application

Virgin America Visa Signature Card


out of 5

- For a limited time only: Earn up to 25,000 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

Introductory APR: 0%*
Introductory Period: 15 months
APR on Purchases: 24.99% or 15.99% (variable)*
Annual Fee: $49*
Card Issuer: Barclays Bank Delaware
Card Network: MasterCard®
Card Category: Consumer (Premium)
Card Type: - Co-Branded Card
- Instant Decision Card
- Low Interest Credit Card
- Reward Card
Credit Needed: Good*

When you consider a new credit card there are many factors you will examine. Credit cards offer many different features and benefits so you will definitely want to weigh everything thoroughly. If you have specific benefits you are looking for, you will definitely need to take a close look at all of the variables.

One of the first things you will notice about this card is the extensive rewards program. While there are many cards that offer affiliate rewards, this card lets you earn points with Virgin America in a variety of ways. First of all you will earn points with every purchase, as well as a 10,000 point bonus with your first purchase and 5,000 bonus points with your first balance transfer.

You will also earn, however, three times the points when you use your card to make purchases with Virgin America. In addition to this you can earn bonus points all year long. Maximize your benefits and you could earn an extra 11,200 bonus points every year!

A generous rewards program is not the only benefit this card offers. You will also enjoy special deals and exclusive upgrades at some of the most popular and best rated hotels, spas, and resorts across the globe. If travel is a benefit that you are looking forward to enjoying you will also appreciate that you will get a $150 discount on a companion fare so you don't have to travel alone. Furthermore, you will enjoy a complete absence of blackout dates so you can travel whenever you want! Even the Passenger Facility Charge and Segment Fees will be waived for domestic reward flights!

Finally when you apply for a new credit card you will also want to investigate the interest rates. Flight benefits are great but you will not take advantage of them every day; looking at interest rates is the only way you can determine how much this card will benefit you day in and day out. With this card you will enjoy a remarkably low interest rate on balance transfers for up to the first 15 months. You can transfer between $100 and $20,000 depending upon, of course, your credit limit. Transfers are subject to a fee and can take 10 days to process.

Applying for this card is simple and easy as you can use the convenient online application. Be ready with information regarding your income, employment status, financial status, credit history, and contact data. These are common to most applications, especially for credit, so you should have no problems completing the application quickly.

The review prepared by . Opinions expressed therein are solely those of the reviewer.

Reward Types: - Airline Reward Cards
- Travel Reward Cards
- Universal Reward Cards
Reward Unit: Point
Reward for $1 spent: 1.00
Rewards: - 20,000 Bonus Points with your first purchase
- 5,000 Bonus Points with a balance transfer in the first 30 days
- 3 points per $1 spent on Virgin America purchases
- 1 point per $1 spent on all other purchases
- 300 Bonus Points for every $5,000 in net purchases per year, up to a Maximum of 1,200 annual Bonus Points
- 10,000 Elevate status points when you spend $25,000 in eligible purchases each year
- $150 off a companion ticket every year
- Deals and upgrades at the world's finest hotels, resorts, and spas
Expiration: 18 months
Yearly Limit: None
Other Benefits: *See terms and conditions for other benefits
Online Account Access: Yes
Introductory APR: 0%*
Applied Towards: Purchases, Balance Transfer
Introductory Period: 15 months*
APR on Purchases: 24.99% or 15.99% (variable)*
Annual Fee: $49*
Grace Period: 23 days*
Min Finance Charge: $2.00
Late Payment Fee: $35.00*
Over Limit Fee: $0.00
Balance Transfer: Yes
Transfer Fee (%): 4.00%
Minimum Fee: $10.00
APR Cash Advances: 25.24%
Cash Advance Fee: 5.00%
Minimum Fee: $10.00
Additional Fees Foreign Transaction: 3%
Returned Payment: up to $35.00

We do not offer online application for this card at the moment.

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† The information provided for Virgin America Visa® Signature Card is believed to be accurate at the time of evaluation (Apr 17, 2014). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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