Virgin Red Rewards Mastercard
Not waived the first year
Credits 3
Every statement credit on this card, how often it comes back and when it resets.
Every year
5,000 Virgin Points each year you renew the card and pay the annual fee, posting within 1-2 statements; ~$50 at about 1 cent per point.
Once $15,000 of purchases post in a cardholder year (resets on the account anniversary), pick one: a Flying Club voucher for a round-trip companion seat or cabin upgrade (worth up to 75,000 points, 150,000 with Silver or Gold), a Virgin Hotels free night or suite upgrade, a Virgin Voyages bar tab ($300 on 7+ night cruises, $150 on shorter ones) or the Virgin Voyages Blue Extras package. Choose within 12 months of the notice; ~$150 conservative value.
Condition: After $15,000 spend in a cardholder year
A second pick from the same menu once $30,000 of purchases post in the same cardholder year; choose within 12 months of the notice. ~$150 conservative value.
Condition: After $30,000 spend in a cardholder year
Perks 2
Benefits you use rather than credits that post to your statement.
Once each cardholder year, a voucher for a free third night on a new two-night stay booked directly with Virgin Hotels online at participating US and UK hotels; the voucher is valid 12 months and needs a The Know membership.
25 Flying Club Tier Points when $2,500 of purchases post in a monthly statement period, or 50 at $5,000 (the monthly maximum); Tier Points expire 12 months after they post.
Also included
- No foreign transaction fees
- Virgin Points don't expire
- 2,500 points per authorized user added (up to 10,000)
Never miss one of these credits
Add the Virgin Red Rewards to Premium Finance, our free app. It lists each credit with a checkbox, reminds you before they expire and shows whether the card earned its fee. Free.
Last checked Oct 16, 2026. Spot something out of date? Tell us.