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Virgin Atlantic American Express credit cards offer great rewards

Virgin Atlantic is currently offering two American Express credit cards, which allow users to collect airmiles for every £1 spent.

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11 January 2010

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The stylish Virgin Atlantic White and Black cards both offer a 0% balance transfer rate for six months from the date on which the account is opened, with a 2% handling fee. But this is not the only benefit of spending with one of Virgin's American Express credit cards.

Card holders can put away airmiles to contribute to their next getaway or business trip with every purchase they make. Those lucky enough to have the Virgin Atlantic White Card are also given 3,000 airmiles with their first card purchase. Meanwhile, travellers flashing the Virgin Atlantic Black Card are given a massive 6,000 airmiles with their first purchase. Furthermore, with both cards, travellers earn two miles for every £1 spent. Double airmiles are offered when cardholders buy directly from Virgin Atlantic or Virgin Holidays. This means cardholders could be earning four miles for every £1 spent.

Airmiles earned using the Virgin Atlantic American Express credit cards can really add up. For example, 40,000 airmiles can translate to an economy roundtrip for two to a selection of European destinations. Meanwhile, 50,000 airmiles earn cardholders £200 in Virgin Vouchers to spend on delicious luxuries such as fine wines and holidays.

Cardholders can also spend away knowing they could be saving up enough airmiles to gain entitlement to a complimentary companion reward ticket for a qualifying flight. This could be perfect for anyone wanting to treat a friend or loved one to a short break or a shopping trip abroad. White Card holders must spend over £15,000 on card purchases in a year to be eligible for the complimentary ticket, while Black Card holders must spend over £7,500. These seats must be booked on full-priced, qualifying Virgin Atlantic flights.

Another advantage to the Virgin Atlantic American Express credit cards is the complimentary insurance scheme offered. This means that if users' cards are lost, stolen or used fraudulently, they will be entitled to a full refund so long as they report the missing card immediately. When abroad, even more free insurance is offered to cardholders. They are entitled to free travel accident insurance up to £250,000, free lost luggage insurance to £1,500 and up to £500 for emergency clothing if luggage is delayed by over 48 hours.

So that Virgin Atlantic credit cardholders can keep track of their account with ease, online and phone services are available. Those who choose the online service can log on to check their balance and credit limit any time of the day or night. They can also make payments and set up direct debits using their online account.

Those considering getting hold of one of the cards may want to note there is an annual fee of £115 with the black card. The typical variable rate on the Black card is 37.1% APR, while the rate on the White card is 17.9% APR. The variable rate for card purchases is 17.9% and 18.9% on the White and Black cards respectively.

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