*Subject to credit approval:

$100 STATEMENT CREDIT: Account must be opened in this session. If earned, statement credit will post to the credit card account within 1-2 billing cycles. Account must remain open, in good standing, and not delinquent at the time the statement credit is applied. Eligible net purchases (purchases minus returns and adjustments) of $3,000 or more must be made within 90 days of account opening. A different account opening offer may be available in other advertising. Limit one offer per accountholder.

40,000 BOARDING BONUS: 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. See Credit Rewards Terms for details. Account must remain open, in good standing, and not delinquent at the time the statement credit is applied. Eligible net purchases (purchases minus returns and adjustments) of $3,000 or more must be made within 90 days of account opening. A different account opening offer may be available in other advertising. Limit one offer per accountholder.

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.