*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.