*Subject to credit approval.

BOARDING BONUS AND $250 STATEMENT CREDIT: Limit one offer per accountholder. To qualify, new account must be opened during the booking process between 1/20/26-2/16/26 and you must make net eligible purchases (purchases minus returns and adjustments) of $4,000 or more within 90 days of opening a new account. If earned, 50,000 Bonus Points will post to your Virgin Red account and a $250 statement credit will post to your credit card account within 1-2 billing cycles after qualifying purchases are made. To receive points and the statement credit, your card must be successfully linked to your Virgin Red account and your credit card account must remain open, in good standing and not delinquent at the time the offer is applied. Applications submitted outside of this session are not eligible for this offer. If application is submitted during the offer period, but is approved outside of the offer period, cardholder will still be eligible for this offer. Statement credit cannot be redeemed for cash or cash equivalent. See Credit Rewards Terms for more details. A different account opening offer may be available in other advertising. We reserve the right to discontinue or alter this offer at any time.

ANNUAL FEE and NO FOREIGN TRANSACTION FEE: New Accounts as of 11/1/25: Variable Purchase APR 19.99%, 23.99% or 27.99%. Variable Bal Trans APR 19.99%, 23.99% or 27.99% and 5% Fee ($5 min). Variable Cash APR 30.24% and 5% Fee ($10 min). Variable Penalty APR 29.99%, 33.99% or 37.99%. Min Interest Charge $2. Annual fee $99.

This card is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.

Summer 2027: Up to $400 onboard credit ends in

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Mexican Riviera Cruise

Panama Canal: Miami to Los Angeles