Virgin America Credit Card Review (Updated For 2014)

Posted by CreditCardGuru

After disappearing last fall, the Virgin America Visa card came back in early 2014. There are now two to different cards to choose from: a basic version with a $49 annual fee and a Premium card with a $149 fee.Virgin America Plane

Our in-depth review will help you understand the changes to the program – and whether either of Virgin America’s offerings is right for you.

It was gone for a while, but now it’s back – with a premium option

First, let’s talk about the Virgin America card’s disappearing act in 2013. In October and November 2013, cardholders received a letter informing them that Virgin America’s partnership with Barclaycard (its former issuer) had ended and that the Virgin America Visa card program would end along with it at the end of 2013. Cardholders could expect their cards to be replaced with a Barclaycard product (which ended up being the Barclaycard Arrival).

In January 2014, Virgin America announced that its credit card rewards program was back (with a cool-looking vertical card redesign) and that it had partnered with a new issuer – Comenity. What’s more, Virgin is now offering two credit card options: The Virgin America Visa Signature card (which should look pretty familiar to anyone who had the old card) and the Virgin America Premium Visa Signature card.

The program’s details will definitely require some explaining. But, first, here’s a side-by-side comparison of the new cards:

Compare Virgin America credit cards
Virgin America Visa SignatureVirgin America Premium Visa Signature
Annual fee$49$149
Sign-up bonus10,000 Elevate points after spending $1,000 in the first 90 days.15,000 Elevate points after spending $1,000 in the first 90 days.
Reward earnings3 points per dollar spent with Virgin America; 1 point per dollar spent elsewhere3 points per dollar spent with Virgin America; 1 point per dollar spent elsewhere
Status pointsN/AEarn 5,000 status points for every $10,000 spent, up to 15,000 status points per year.
Waived change/cancellation feesN/AYou don't have to pay cancellation fees when you change/cancel a refundable ticket.
Free bagsFirst bag free for cardholder and one companionFirst bag free for cardholder and one companion
Companion ticket$150 off companion ticket each year$150 off companion ticket each year

How much are Virgin America Elevate points worth?

That’s the real question that matters and unfortunately, the credit card application fails to address it.

I’ve read elsewhere what the value is but instead of basing this review off second-hand knowledge, I decided to price out flights myself.
Side by side virgin america comparison

The value of the points stays pretty steady for a sampling of flights I priced out:

Round-trip flight from LA to Chicago

2 months out = $0.0234 per point (pictured)
1 month out = $0.0234 per point ($268 or 11,441 points)
2 days out = $0.0220 per point ($844 or 38,234 points)

Unlike legacy carriers (like United, American and Delta), Virgin doesn’t do rewards redemption in set mileage amounts (ie, 25,000 for a round trip). The number of points you need for a reward flight fluctuates with the price of the ticket — it’s like Southwest in that regard. As you see in all the above flights, the point value is just a tad over 2 cents each.

Can you earn Virgin Elevate points on Virgin Atlantic flights?

Through your Virgin America credit card purchases the answer is “no.” As far as earning frequent flier points through your Elevate account, believe it or not up until 2010 you couldn’t! They finally created a system that allowed you to, but unfortunately, the earnings rate is pretty low … Elevate point value on Virgin Atlantic

As you see, if you were to fly from New York to London using the lowest tier, you would earn points equaling only 10 percent of the distance, which is 6,916 miles. Those 692 points would be worth only $15 (assuming a 2.2 cent point value). Let’s put that another way: To book a $350 flight using Elevate points, you would need to have about 23 roundtrip flights from New York to London.

What’s with those waived change/cancellation fees?

One of the most annoying aspects of flying these days is what happens if your plans change after you already bought the tickets. Need to fly out a day later than you planned? You have to pay at least $100 (depending on the airline) to change your itinerary. Need to cancel your trip? Sure, you’ll be able to use your fare toward a future trip … but you have to pay the change fee first.
The Premium version of the Virgin America waives those fees – you just pay the fare difference between your old and new itinerary. Just keep these fine-print details in mind:

  • The perk doesn’t apply to reward flights; you’ll still have to pay to have your points re-deposited if you make a change to a reward itinerary.
  • You have to go through Virgin’s customer service line and make all changes by phone in order to have the fee waived.
  • The flight must also have been booked with your Premium card, and the reservation must include your Elevate account number.

Status point rollover

Again, this perk is available only on the Premium version of the card. If you earn more than enough points to reach Gold or Silver status in a year, you get to keep those extra points and use them toward the next year’s status requirements.

Verdict?

If you’re trying to decide between the two cards (which have a $100 difference in the annual fee), the extra perks on the Premium card could be worth it – but only if you’re reaching for status and if you frequently change your travel plans. Otherwise, you’re better off saving $100 per year with the basic card while still enjoying a companion ticket discount and free checked bags. Both cards give you the Visa Signature suite of benefits as well.

Trying to decide whether you should go for either of these cards in the first place? For the airline’s frequent fliers, the Virgin America credit cards can make sense. But remember the Elevate program without the credit card still earns 5 points per dollar spent on flights, so the card is adding only an additional 3.


With the Barclaycard Arrival Plus World Elite MasterCard, for example, you get 2 miles per dollar spent, and each mile is worth 1 cent when you redeem it for any travel expense. However, you get 10 percent of your redeemed miles back, meaning that you’re getting a 2.2 percent return on your spending.

Updated August 11, 2014


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Editorial Disclosure: The editorial content on this page is not provided by any bank, credit card issuer, airline or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

47 comments... read them below or add your own

  1. Mari August 27, 2014 at 3:58PM

    I had a Virgin American Visa when it was managed by Barclay. During the time the card was managed by Barclay I experience excellent customer service. My experience with Comenity thus far has been horrible. The serviced rendered to me by Comenity is lacking in knowledge and common sense. I have been trying for 6 days to get resolution to an issue with inconsistencies between what is on the statement versus what is on my online account. I was initially speaking with Raven in Kansas. She transferred me to Toni. The called dropped after speaking with them both for almost 50 minutes. Toni did not bother to call me back. I had to call back and the service rep wanted me to start explaining my issue all over. I asked for a supervisor and was transferred back into the queue. Finally I reach Ranita and she transferred me to Martha who said she is a lead in the customer service department. In the end Martha was unable to help me in any real way.

    Other issues I have experienced are;

    1) The website not accepting my password
    2) The monthly statements don’t always open.
    3) Available cash amount is incorrect.
    4) No ownership of customer service issues.

    I hope to avoid using my Virgin American Visa in order to avoid dealing with
    Comenity bank!

  2. Matt Golden August 20, 2014 at 7:46PM

    I have loved virgin, but I HATE this bank. They put me into the wrong card, and then told me the only way to get the card I signed up for was to eat the $50 I paid (because I only realized it was wrong after I used it), and wait 30 days.

    I am going to stop flying VIRGIN as well… DO NOT GET THIS CARD – there is reason you have not heard of the bank. they don’t treat people like valuable customers.

  3. Heather Elder August 19, 2014 at 1:40PM

    This is the worst card ever. DO NOT GET THIS CARD. I too LOVE Virgin and cannot believe they would associate with this card. The experience with Commenity is nothing like what I experience with Virgin. They hold my payments for 10-21 days, they shut off my card every 2 or 3 days for suspected fraud – even when I call – (they claim the online charges set it off – who doesn’t shop on line???), their website is awful and so is their customer service(everyone tells me something different) I charged all of my charges on the Barlcays version of this card and now hardly ever use my new card. Why would they want to give up all of that business? STAY AWAY!!!!!!!!!!!!!

  4. Megan Hanson August 6, 2014 at 10:48AM

    Virgin is GREAT. Comenity is AWFUL! Virgin, are you REALLY going to risk your brand ID by staying affiliated with this backwards bank? I’ve been wondering why, when I spend the same amount each month I did with my Barclay’s card, that I reach my limit so soon and my card gets cut off – some of the other posts here may explain. I’ve asked THREE times, if I could get my credit limit raised and have been refused. I have PERFECT credit and credit limits 2-3 times as high with other cards. Their website is ridiculous and archaic. You can’t even cancel or change your set payments online? You have to CALL to do that? I’m now having to make payments 2x per month to avoid my card being cut off. Ridiculous. Virgin, seriously, this bank makes me want to look at Southwest again. :/

  5. Ryan August 4, 2014 at 8:49AM

    Here’s what folks don’t seem to get about these cards. The platinum version basically turns Virgin into Southwest. I fly maybe once a month, and only Virgin if possible. Now because of this card, I show up at the airport whenever I feel like it day of, request to board the next plane and provided they have seats I board at no cost (assuming the ticket price is the same which it most often is). That alone is worth the $100. Factor in the status point roll over and its a no brainer. As of today I have 25,000 status points for the year, by end of year I’ll probably have 30k. That means I’m half way there to getting status next year, fantastic perk!

  6. Mike July 29, 2014 at 6:02PM

    The first bag free offer is a joke. They clearly said that it would take 6-8 weeks for those charges to appear on my account as a credit. It has now been 9 weeks and the agent told me to wait until my next statement (12 weeks after the charge). Who knows if the credit will ever come. I had wanted to get away from the “big banks” with this card, but Comenity is not very sophisticated. Also, it is very strange that charges do not show up for days after they have been made online — there must be an antiquated processing system in place.

  7. EightEdge July 22, 2014 at 11:13PM

    Love Virgin America, I pretty much fly them all the time from NYC – SF. Got the Premium card, paid my $149 and started to use it. Comenity customer service isn’t too bad, but the fraud department are idiots. Comenity told me I have a daily charge limit of 15k, the fraud department said 5k. Thinking that I’ll get my 15k status points quickly, I attempt to charge 15k for my cabinets, and guess what? The fraud department shut my account. I call Comenity a day before to inform them I’ll have a large charge coming in, and was told it be fine, on the day of the charge, the fraud department calls me and said I can only charge 5k per day, so I did, and decided to have my contractor charge 5k the next day, but that’s when all the headaches started. Fraud department never called me, just shut my account down, can’t get any answers from them other then to send in SS#, Bank Statement, and Government Issued ID. Funny thing is, each charge I made, I paid my balance in full as soon as the charge post from my checking account. I’m guessing then don’t want to give me my 15k status points, plus I haven’t received my $150 voucher as well. If anyone is thinking of moving up on status with this card, I say forget about it.

  8. VAMisleadingMarketing July 20, 2014 at 12:15AM

    Well I got majorly played by Virgin America and its Credit Card. I forked over $149 when I read about the awesome benefit ” No change or cancel fees. Period” “Enjoy maximum flexibility to modify your travel plans without paying an additional fee to change or cancel your non-refundable Virgin America flights. You’ll only need to pay the difference in fare when making a change.” PEOPLE CONSIDERING THE CREDIT CARD BECAUSE OF THIS BENEFIT BEWARE. Once you cancel a non-refundable ticket, it goes into your travel bank … so when you get your new ticket and want to make yet another change, they WILL CHARGE YOU $150 change fee! So the “PERIOD” in their marketing campaign is completely misleading! They will wave the change fee only once per new ticket purchased! Southwest Airlines, here I come. No change fees ever for real!

  9. @PrimaScriptura July 16, 2014 at 2:59PM

    Poor customer service. I called with 2 questions regarding this card prior to applying. They were so rude in and acted as if I was bothering them.

    Question:

    1.) Do you have an automatic “pay the full statement” option?
    2.) Do you have “pre-approved” card offers?

    Virgin America should return to having Barclays manage their cards as opposed to these amateurs.

    I’ll Stick with my AMEX Platinum and let these knuckle heads fend for themselves. The quality of the Airline is not congruent to the quality of it’s credit card.

  10. John July 8, 2014 at 3:56PM

    Comenity bank is a pretty bad experience. Their online portal leaves a lot to be desired and it takes DAYS before transactions post to the account. This is in contrast to my chase Bank account which actually lets me setup IMMEDIATE alerts on my phone if transactions match certain rules.

    The two good things about this card are (1) that the card design is very sexy. I get compliments on it frequently. (2) I am getting rewards points for using it.

    Other than that, I’m sure there are plenty of better cards out there…particularly with banks that are more tech-savvy than Comenity.

  11. Linda July 3, 2014 at 7:13AM

    BEWARE of this card. I had a fraudulent charge and filled out the paperwork and spoke and answered questions from the Investigator months ago. The charge is still on my card, still accruing interest and still not settled. I have never experienced this with other cards. If you have a fraudulent charge they usually credit you the amount until the investigation is complete. Comenity Bank not only takes months to investigate a clearly fraudulent charge ($400 at a 7-11 somewhere in the mid west), but they demand you continue to pay for it with interest until they are done investigating otherwise it shows up as delinquent on your credit report. Unbelievable. VIrgin should stick to airplanes or find a reputable banking institution for their cards.

  12. LH Livingston June 30, 2014 at 5:24PM

    Comenity Bank is extremely difficult to deal with, and completely guilty of “bait & switch” tactics. I applied for the card with the $49 fee twice. The first time, I got the bill with the $149 fee, I cancelled the card. I re-applied a month or so ago for the cheaper card. I had to apply by phone because the on-line software didn’t work. That process took 5 days of persistence on my part. Anyhow, my bill arrived today, again with a $149 fee. I got on the phone, was told that this cannot be changed for a year. I escalated up a level, and got the same nonsense. I escalated up a level again and again. I finally got someone who agreed to waive the fee for now, but I have to watch the bills over the year to make sure to apply for the lower fee card when given that option in about a year. I used to be in the advertising business. My clients would never have been allowed to get away with such “bait & switch” tactics.

  13. Comenity Sucks June 27, 2014 at 11:17PM

    Couldn’t agree more with the previous posters. This card is a joke. I can essentially only use the card for half the month while I wait for my paid-in-full monthly payment to clear. The web site is down almost every other time I try to log-in. I’m going back to my old United card

  14. Tim June 24, 2014 at 2:54PM

    I just recently got this new Comenity Bank card and I cannot even get their website to work! I think I will be closing this account after I see the initial spend bonus miles land in my Virgin account. Really disappointing, Virgin America should be ashamed!

  15. John Bates June 10, 2014 at 8:06PM

    Thanks for the updates on the Virgin C/Cards I was about to apply for one but after reading the reports that’s not going to happen. I also have a stella credit report.

  16. Mr B March 13, 2014 at 7:13PM

    The Virgin Visa Card Comenity Bank is the WORST. They accept your payment and put a 10-21 Day HOLD on your payment before they credit your account. So you pay, they cash your check but you cannot use that money (your money) until they have it for between 10-21 Days. No Credit Card Company does that. Are you kidding? What is the point of paying off your card when you cannot use it for 10-21 Days. Horrible Card. Virgin America should be ashamed!

    • Louis Kessler May 5, 2014 at 5:57PM

      I had the same problem and had to cancel my card. What a joke of aa bank Comenity is. I needed a real credit card and it failed. Comenity doesn’t process payments or charges for days after you make them. So even if you want to pay your card off you can’t until days later. I had one huge purchase and it rendered what was supposed to be my main credit card useless.

      Comenity is simply the worst credit card issuer out there. Virgin should be ashamed of itself.

  17. Bob March 10, 2014 at 4:43PM

    Process for new VX card is a complete and total joke/failure. Got a one page rejection saying my address didn’t match my credit report – address is the same one I use for prior VX card – and for many bills (office address of 5 years). I reapplied using my home address in any event and got another one page letter rejecting me saying I applied twice. Jet Blue?

    • Louis Kessler May 5, 2014 at 5:59PM

      Comenity bank is the worst I’ve ever seen. I didn’t even get my card unti a amonth and a half after I applied for it. In the mean time Comenity started charging me the penalty rate for the $150 service charge I could not have paid off because I didn’t yet have a card.

      Comenity is awful. Virgin America needs to apologize to its customers.

  18. Reiner March 9, 2014 at 4:43PM

    Comenity is terrible. I charged over $100k last year on the old Barclaycard have good credit otherwise and am still having trouble getting approved from the Comenity bogons. I love VX but will switch to JetBlue exclusively if I can’t get the new card. Grrrrr

    • Louis Kessler May 5, 2014 at 6:01PM

      Just awful I also am switching airlines as Comenit’;s business practices are incompetent. They don’t process payments or charges for days, so if you meet your limit you can’t pay it off immediately and your card becomes useless.

      What kind of compnay won’t let you pay off your balance immediately? They refused my money though they knew the charges were present because my credit limit had been met.

  19. Vivien March 8, 2014 at 3:08AM

    When I received my $49 card it included a list of Visa Benefits (rental insurance, flight cancellation, etc). However, when I called card services I was told to call Visa’s concierge service directly since they benefits were under Visa and they weren’t very familiar with it. Visa’s concierge looks up my account and says that they don’t see the benefits attached so I should call Comenity directly. Comenity then says that my card level does not include Visa benefits and the booklet included was meant for only premium cardholders.

    TL;DR Got the runaround from Virgin -> Visa -> Comenity only to find out that the Visa Benefits pamphlet included with my card don’t apply to my regular signature card.

  20. Nick March 2, 2014 at 10:36PM

    New VA premium signature card is extremely disappointing. Looks like it was printed on cardboard. Cheap all around for a brand that is supposed to “elevate” what is edgy and young. Not to mention that the application process was horrific. They ran my credit twice after misunderstanding which card I wanted and actually sent out two separate ( not linked ) cards. Disorganized mishmash of a disaster. Take a lesson from AMEX on customer service.

    • BDL March 5, 2014 at 11:59PM

      I FULLY agree with Nick. Very disappointing. The card does NOT match up to the hype or the marketing of it and doesn’t look even close to the card in the advertisements. There is no app for Virgin America, or for Comenity bank (the bank that issues the cards). Their website does not allow you to see pending charges and it seems several steps down from the AMEX or Chase website when it comes to a modern web interface with current, pertinent information. After I got the card I received an email that Comenity was doing a “nip and tuck” on the cosmetics of the card and a replacement would be sent. That was a lie. After 1 month, no replacement pretty card. I canceled the account. Ugh. So sad.

      • npan April 21, 2014 at 12:40AM

        BDL – have yo received the replacement card that does not look like the qualitiy of a hotel key? An updates on a better web portal interface for users?

        so far- “flying like a boss” (virgin ad line) is still like flying like anything else.

  21. Diana January 19, 2014 at 5:08PM

    Their $150.00 companion ticket is ok as long as you pay cash, you can not use it with elevated points. We like the airlines for flying to Cancun and in the states, but it doesn’t fly to Hawaii and there sister company (Hawaiian Air) only has limited space,& dates available for elevated members & its way over priced. What is going to happen to our elevated points if we don’t get a new card with Virgin.

  22. MsMargo January 3, 2014 at 6:50PM

    Virgin America now has their new credit card available, pre-approved for current cardholders.

  23. davidS November 6, 2013 at 6:56PM

    Even less value since today (11/6) Barclays sent a letter advising the VX Visa card will be replaced in January 2014 by a generic, non-Virgin America related, travel MasterCard. The typical kind of 2 points per travel dollar 1 point for all others. Oh well, loyalty to VX is waining. (PS, agree with the constant fraud denials and challenging BarclayCard Philipines call center.)

    • Jane November 6, 2013 at 9:12PM

      I got the same letter. Really disappointing. I sent a message to Virgin America asking if there was going to be another card that would let you directly earn Elevate points and I got a very generic response saying that I’ll be getting a letter from Barclays — the same letter I told them I received.

      The worst part of new Barclays card is the $89 annual fee! Not sure I’m keeping the card at that price.

      • davidS November 7, 2013 at 7:29AM

        Sent a question through the Facebook page, got the generic response, pushed back a little and was told they would provide more info on a new credit card program in early 2014. Responded with a “suggestion” that they provide some more transparent communication to their customers so we didn’t have to “hunt info down reactively”. Final reply was that there is a limited amount of info that can be released to the public and I should communicate with Barclays… seems VX missed the point.

  24. Ledocq September 11, 2013 at 10:15AM

    I’ve had a Virgin America card for 4 years or so. Today I tried to transfer 30,000 points to my wife’s account. If you’re an elevate member, there are frequent reminders via email and website ads that you can gift anyone up to 30,000 miles a year, no hassle, just click a button, that’s it. What they don’t tell you is that the gift will cost you $600. When I called to ask, their response was “yes, sir, that’s a third-party website.” As if that explains anything. I said, “You understand that this $600 fee isn’t disclosed anywhere,” and the agent responded with silence. “What’s the $600 for?” Silence. I don’t know if that’s common with other programs, but this is my only card and only program.

    • Dan September 18, 2013 at 11:43PM

      Sorry to hear about your bad luck. With Chase Sapphire, Club Carlson Hotel, British Air , and Starwood Hotels you can transfer points between eligible family members for free. All the others typically cost you $. :(

  25. Jean Chris August 14, 2013 at 6:15AM

    To earn STATUS points, if you have a Visa Signature, is it 9x or 8x more points per dollar spent on a Virgin America flight?

  26. Chris June 23, 2013 at 12:23PM

    You mentioned something through the blog. As far as using points for partner hotels, you don’t need the credit card, just a good ol’Elevate account, how do you do this. Thanks

  27. Sarah April 4, 2013 at 7:22AM

    I signed up for the Virgin America card yesterday and cancelled it today. If it wasn’t linked from Virgin’s website itself I would think the entire card company was a scam. Their customer service is non existent and their English is incomprehensible (I expect people at call center’s to not be fluent- this was unreal). They provide no help and are incredibly rude.

    Two hours after I signed up for the card I started getting calls from a phishing/scam phone number asking me if I wanted to lower my rate on the card. When I reported this to the Virgin card people, they said “oh sorry to hear that” but didn’t ask for anymore info nor did they say they’d report it.

    When I asked for an email confirmation that my card had been canceled, they said they didn’t have access to email…… And if i wanted an email, I would have to fax them a request for an email to be sent. This was the worst experience I’ve ever bad with a CC company and I would urge you not to sign up for their card. I’m honestly scared that my information has been compromised by them.

  28. slowkoni March 20, 2013 at 10:31AM

    I just got this card, having jumped on the deal which I read through perhaps too quickly when I booked my first Virgin America flight directly through Virgin America’s website. They popped up the deal at the end of the transaction using a card I already had, but be aware that the ticket you just paid for already, that ticket does not count for 3 elevate points per dollar when you agree to get the card, and you can’t get online approval for the card first by searching for the deal and applying before actually buying the ticket – the online approval for the card does not actually set up your account yet, so you can’t then buy the ticket you want now with the card, unless you wait on the ticket a week or so for the physical card to come in the mail.

    As for folks having trouble with automatic fraud suspicion suspending the card, I have had this happen with Citibank cards and chase bank cards, 3 separate times that I recall now. One time because someone got a copy of my card and used it to buy gas at a location 500 miles away within minutes of me buying lunch. The bank suspended the card and called me immediately, all was sorted out quickly. The other times I had simply made several large purchases within hours of each other, and the bank temporarily suspended the card for 24 hours but also called immediately to verify I had purchased those items. After confirming, the card was made active again.

    I asked about these automatic triggers and both banks said that if I plan to travel overseas or a long way from home and make large purchases far from the location I always use the card, the fraud detection can get triggered. I only need call in advance and notify the bank that I plan to do this, and they will disable the location based fraud detection for the time period I specify. It is them incumbent on you though to call the bank as quickly as possible if you do lose your card. TI can confirm this for Citibank and Chase, but I don’t know about Barclays. Hopefully this is helpful for anyone reading who has run into trouble with their cards on vacation because of automatic fraud detection. I see a few stories above about that.

  29. Gina March 18, 2013 at 1:29PM

    Disappointed because points acquired through the card do not improve your ‘status’ with the airline. Was surprised to learn this. Despite being an Elevate ‘Founding Member’ and putting a majority of my monthly spend on their credit card, I don’t receive any preferential boarding or other on-board perks. Very surprising and disappointing!!!!

  30. Srini February 23, 2013 at 9:19AM

    Useless card, don’t waste your money and time on this. There are lot better cards around. Check CHASE CARD, it is far better then this one.

  31. Semi Kim November 27, 2012 at 2:50AM

    Thank you very much. This helps me a lot to pick my first credit card! I don’t use virgin America usually (they don’t flight to the destinations which I fly often). So I probably won’t get this one….. I really appreciate your review

  32. Cedric October 19, 2012 at 5:58PM

    They need customer support who speaks english. Majority of the time I am just trying to understand. As well, they need to know what they are doing and not trying to match the issue with the instruction sheet on their table.

    Last, I can’t believe their fraud department works from 8am – 8pm EST, not even PST. In comparison to Citi bank, which operates 24 hours, Barclay is BAD. Please save yourself some trouble and not get this card.

  33. Lawrence August 29, 2012 at 11:08AM

    I actually like this card very much, and use it for my “all other purchases” (e.g. gas I use Costco AMEX, restaurant I use either Costco AMEX or Chase Freedom when it’s 5%, etc.). The rewards are the ~2.2% mentioned, which is better than any other card out there. Since Virgin America is typically the cheapest flight out there for the usual places I go out of SFO, this card is a no-brainer for me. I’ve had a few callbacks from their fraud department, but that was after I made a purchase, and I never had any rejected purchases. I had a few fraudulent charges on the card, and their customer service worked on it right away and reversed them. I guess I’ve been lucky.

  34. Bob June 4, 2012 at 5:57PM

    Great Airlines…The Credit Card is Awful.

    I had charges on two separate occasions denied, despite having a stellar credit rating and never having a late payment and always paying my bill in full each and every month.

    Turns out their security department thought they had detected fraudulent use on my card, which is fine, except that the security department wasn’t working over the weekend and my card was neutered for a weekend, while I was traveling. I escalated to the customer service manager who was useless and kept repeating there was nothing he could do. Pay a fee for the card and the then having the card suspended with no ability to rectify the problem. This happened twice. I returned the card. Don’t have this problem with Chase.

    Customer Service was absolutely non existent.

  35. McKay Stewart February 25, 2012 at 11:39AM

    GREAT AIRLINE, GREAT BENEFITS, TERRIBLE CARD. I believe it is due Juniper/Barclay’s policies. They keep blocking my card every time I use it due to “suspicious activities” a.k.a. their “fraud protection” department.

    Not only that, but the APR on this card is over 25%. My other cards average 10% APR.

    If there is a Virgin America Visa card out there not connected to this bank(s), I recommend checking that one out.

  36. Gordon Katz February 16, 2012 at 1:07PM

    The card rewards fall very short, but the service on the planes and the airplanes are first rate.

  37. dan January 19, 2012 at 11:41AM

    You didn’t point out the best thing of all which is you just booked a flight to Chicago for 13k points whereas the same flight would cost 25k on all other airlines on their flat rate policy. I fly round trip from LA to SF for under 6k points on Virgin. Beat that!

  38. jodi January 10, 2012 at 9:10AM

    TERRIBLE CARD – TERRIBLE PEOPLE AT CALL CENTER – HORRIBLE COMMUNICATION

    • David January 22, 2012 at 9:23PM

      Completely agree.

      I pay my card bills in full every month which left it a zero balance, and my card was cancelled due to the fact “I did not use it for a period of time”.

      Zero warning.

      When asking for help from their call center, they would simply re-read the statement “You did not use your card for a period of time and the bank decided to close your account… Can I help you with anything else?”.

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