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Virgin Atlantic Amex Black Credit Card

The Virgin Atlantic Amex Black Credit Card is promoted by Virgin Money, provided by American Express and has a typical APR of 37.1%. Compare all Virgin Money Credit Cards or apply for the Virgin Atlantic Amex Black Credit Card now.

Card Details

Card Issuer Credit card issuer	MBNA
Merchant Network The Card network the card belongs to	American Express
Card Limit Maximum upper balance limit for card spending	The maximum credit limit available is £50000. Credit limit assigned according to status.

Acceptance Criteria

Min Age Minimum age for applicants	18 Years
Min Income Minimum income required for applicants	There is no minimum income required.
Credit Rating Credit rating required for successful application of card	Prime

Introductory Balance Transfer Details

Intro Balance Transfer Rate Annual equivalent rate charged on balance transfers for the introductory period	0.0%
Duration of Intro Balance Transfer Rate Duration of balance transfer rate for introductory period	6 Months
Balance Transfer Limit Maximum upper limit for balance transfers to card	Subject to Status
Intro Balance Transfer Fee Fee for transferring balance as a percentage of the amount transferred during the introductory period	2%
Intro Min Balance Transfer Fee Minimum fee for transferring a balance during the introductory period	£3
Intro Max Balance Transfer Fee Maximum fee for transferring a balance during the introductory period	No Limit
Intro Balance Transfer Window Days The number of days from when the introductory balance window begins that you have to transfer your balance.	Balance transfers made within 90 days will receive the introductory offer associated with this card.
Intro Balance Transfer Offer Begins The point at which the introductory balance transfer period begins.	When account opened

Introductory Purchase Rate Details

Intro Purchase Rate Annual equivalent rate on card purchases during the introductory period	N/A
Duration of Intro Purchase Rate Duration period for introductory purchase rate	N/A

Standard Rates

APR Typical (Variable) Annual Percentage Rate Typical (Variable) - this figure considers both the annual interest charged on purchases and any annual fees	37.1%
Purchase Rate Annual equivalent rate for purchases	18.9%
Balance Transfer Rate Rate charged on card palance as an annual equivalent percentage after any introductory period ends	18.9%
Cash Advance Rate Rate charged on cash advances as an annual equivalent percentage	20.9%

Benefits

Cash-Back Reward Cash-back reward for spending	Not applicable.
Air Miles Airmiles travel reward scheme available	For every £1 spent, two Flying Club miles are awarded. Double points are earned for every spend direct with Virgin Atlantic or Virgin Holidays. More information can be found at www.virginatlantic.com/flyingclub.
Shopping Reward Program Shopping reward scheme available	Complimentary round trip companion reward ticket: If, in a year, the cardholder spends more than £7,500 on card purchases, they'll get a complimentary round trip companion reward ticket the next time they book a qualifying flight with Virgin Atlantic. Premium Economy reward upgrades: Spend £5,000 each year, and receive a round trip Premium Economy reward upgrade the next time a qualifying reward flight in Economy is booked. This feature is available up to twice a year, every year.
Points Scheme Points reward scheme available	There is no points scheme available.
Other Incentives Additional card incentives available	No other incentives offered.
Charity Affiliation Affiliations to any charities for card spending	This is not a Charity Affiliation account.

Cashback Scheme Details

Introductory bonus on Cash-Back Cash-back bonus on introductory period.	Not applicable.
Max Spend that earns Cash-Back Where a cash back reward scheme is active, the maximum amout of spending permitted to earn cash back.	Not applicable.

Fees and Terms

Interest Free Period Number of days for interest free period	Up to 46 days interest free period.
Min Payment Minimum monthly payment required as a percentage of that month's total bill	N/A
Min Payment Minimum monthly payment required if any balance is outstanding	£25
Annual Fee Annual fee for card	There is an annual fee of £115.00.
Balance Transfer Fee Fee for transferring balance as a percentage of the amount transferred outside of any introductory period	2%
Min Balance Transfer Fee Minimum fee for transferring balance	£3
Max Balance Transfer Fee Maximum fee for transferring balance	No Limit
Cash Advance Charge Charges for a cash advance as a percentage of the cash advance amount	A handling fee of 2.00% will be charged on the amount of any cash advance per transaction, subject to a minimum of £3.00.
International Charges Charges for overseas transactions on card as a percentage of transaction	Transactions made in foreign currencies within Europe are charged a 2.75% fee.
Order of Repayments The order in which the various different types of credit are repayed when you pay over your monthly balance	If the cardholder does not pay their balance in full, these payments will be used to reduce lower rate balances before higher rate balances. If promotional rate balances are the same they will be repaid in the following order: first, the one with the earliest expiry date; if the expiry dates are the same then the one which started first; if the expiry dates, and start dates are the same then the one with the lowest standard rate.

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