*Subject to credit approval:

BOARDING BONUS AND $100 STATEMENT CREDIT: Limit one offer per accountholder. Eligible net purchases (purchases minus returns and adjustments) of $4,000 or more must be made within 90 days of opening a new account. To receive points, your Virgin Red Rewards card must be successfully linked to your Virgin Red account and your credit card account must be open, in good standing and not delinquent. If earned, points will post to your Virgin Red account within 1-2 billing cycles. 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.

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.