*Subject to credit approval:

BOARDING BONUS AND $100 STATEMENT CREDIT: Limit one offer per accountholder. To qualify, account must be opened in this session, and you must make net eligible purchases (purchases minus returns and adjustments) of $3,000 or more within 90 days of account opening. If earned, 40,000 Bonus Points will post to your Virgin Red account and a $100 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 details on the 40,000 Boarding Bonus. A different account opening offer may be available in other advertising.
ANNUAL FEE: New Accounts as of 1/1/25: Variable Purchase APR 20.49%, 24.49% or 28.49%. Variable Bal Trans APR 20.49%, 24.49% or 28.49% and 5% Fee ($5 min). Variable Cash APR 30.49% and 5% Fee ($10 min). Variable Penalty APR 30.49%, 34.49% or 38.49%. Min Interest Charge $2. Annual Fee $99.
REWARD POINTS: See Credit Rewards Terms for details.
PERSONAL PERKS: See Credit Rewards Terms for details. Additional information and restrictions are available at https://virginredrewardscard.syf.com/benefitsdetails.

Virgin Points are earned and spent via Virgin Red Limited in accordance with the Virgin Red Programme Terms and Conditions.

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.

Explore 411 cruise vacations

Cayman Isles & Jamaican Miles

Quaint Castries to Elegant Antigua

Riviera Maya

Red Hot Sailing Club Voyage

Dominican Daze

Costa Mayan Caves & Honduran Waves

Sunsets in the Lesser Antilles

Fire & Sunset Soirées

Puerto Rican Nights & St. Croix Delights

Panama Canal & Pacific Wonders

Saint (Isles) & Seas of the Caribbean

Miami, Grand Turk (& back)

San Juan Sunrises & Dominican Dreams

Tortola, Charleston, Newport & More

Cayman Coves & Jamaican Waterfalls

The Big Apple to Bermuda

Brilliant Lady LA MerMaiden

California (and Mexico) Dreamin'

Bermuda Beauty to East Coast Elegance

Puerto Plata, San Juan & Tortola

New York Transatlantic to Spain

Hollywood Sunsets & Mexican Horizons

Transatlantic to Spain & Morocco

LA Lights & Vancouver Vistas

Rome, Mykonos & the Amalfi Coast

Alaska Awe from Vancouver to Seattle

Greek Island Glow

Brilliant Lady Seattle MerMaiden

Corfu, Dubrovnik & More

Amalfi Coast, Cannes & Ibiza

Seattle, Juneau & Canadian Coasts

Spanish Isles, Rome & Cannes

Alaskan Glacier Blues & Coastal Views

Coastal Gems: Italy, France & Spain

Cayman Isles & Bimini Beach Miles

Inside Passage Alaska & Canadian Coasts

Spanish Serenity to French Daydreams

Starry Nights in Greece & Croatia

Italian Vistas to Spanish Sunsets

Mayan Sol

Alaskan Inside Passage & Canadian Coasts

Istanbul Delights & Santorini Dreams

Riviera Charms, Rome & Corsica

Inside Passage: Eat & Drink Edition

French Riviera, Italy, Rome & Ibiza

French Riviera, Rome, Amalfi & Sicily

Tuscany, Corsica & Ibiza

Rome, Florence, Corsica & Ibiza

Moroccan Marvels & Mediterranean Wonders

Spanish, French & Italian Classics

Eclipse in the Land of Fire and Ice

Total Eclipse of the (Med)

Bruges, Amsterdam, Hamburg & More

Sicily, Naples, Cannes & More

English Elegance to Idyllic Iceland

Rome, Florence, Mykonos & More

Seattle to Alaska & British Columbia

Iceland, Greenland, Canada & NYC

Vancouver Down the Cali Coast

Fall Foliage in Canada & New England

Mykonos Moons and Italian Sunrises

New York to Bermuda (& Back)

Spanish Isles & Transatlantic Miles

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Picturesque Panama Canal Collective

Scarlet's Haunted Halloween Soirée

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Sunny Miles of Tropical Isles

November Nights in the Eastern Caribbean

Caribbean East: Virgin & Saint Isles

St. Isles & Sun-soaked Seas

Captivating Costa Maya & Cozumel Charm

Thanksgiving: St. Isles, Aruba & Curaçao

Jamaican Waves & Bimini Breeze

Antiguan Elegance & Sunny St. Isles

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San Juan Sunrises & Dominican Dreams