Virgin Red Rewards Card

The card more traveled

Sink into a whole new world of rewards. We've teamed up with Virgin Red, Virgin Atlantic and Virgin Hotels to offer US based Virgin Red members more epic travel benefits all on the Virgin Red Rewards Card. Earn up to 3 Virgin Points per dollar spent and open doors around the world with the opportunity to earn exclusive Personal Perks**. This card (literally) makes ship happen.

LEARN MORE

Earn more Virgin Points – on everything**

Turn everyday spending into rewards.

Always Included Luxury

Over $1000 in value. The luxury you deserve — without the nickel & diming from the others. Look (far) beyond the headline rate.

Earn 3 Virgin Points per $1 spent on Virgin Voyages, Virgin Hotels and Virgin Atlantic
Earn 2 Virgin Points per $1 spent at grocery stores, on dining out, select streaming services and EV charging
Earn 1 Virgin Point per $1 spent on everything else, where Mastercard is accepted

Personal Perks**

This could be your lucky day, Sailor. Personal Perks gives you a choice of up to two extra cardholder benefits every year. Spend $15,000 in a year to choose one Personal Perk, or $30,000 to choose two.

VIRGIN VOYAGES

We could pick up your bar tab up to the tune of $300, or unleash your inner RockStar with Blue Extras like cocktail parties, premium WiFi and a complimentary Shake for Champagne. Go on, you know you want to.

VIRGIN HOTELS

Fancy a free night? Or a sweet room upgrade? It’s up to you, you’re the guest star.

VIRGIN ATLANTIC

Travel like a VIP with personal perks like seat and cabin upgrades that will have you flying like a rockstar.

The benefits? Breathtaking**.

Always Included Luxury

Over $1000 in value. The luxury you deserve — without the nickel & diming from the others. Look (far) beyond the headline rate.

Flying through the tiers
Flying Club members earn up to an additional 50 Tier Points every month.
Anniversary Points
We’ll give you 5,000 Virgin Points every year you renew with us.
Friends & Family Cards
Add a card for a loved one (lucky them) and earn 2,500 Virgin Points. Maximum of 10,000 Virgin Points.
No foreign transaction fees on travel spending
Popping overseas? You’re free to travel with no foreign transaction fees.
Extra night at Virgin Hotels
Book two nights and get your third night free at participating hotels once per cardholder year.

*The Virgin Red Rewards Mastercard is only available to applicants 18 or older who have an address in the United States. This communication is exempt from the general restriction under section 21 of the Financial Services and Markets Act 2000 (FSMA) on the communication of invitations or inducements to engage in investment activity on the grounds that it is made or directed only at persons outside the UK and within the USA.

**Subject to credit approval. See Credit Rewards Terms for details. Term apply:

BOARDING BONUS: 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.
REWARD POINTS: We do not evaluate whether merchants correctly identify and bill transactions; however, we do reserve the right to determine which transactions qualify. EV Charging Stations do not include merchants of Parking Lots, Parking Meters and Parking Garages.
PERSONAL PERKS, VIRGIN HOTEL BENEFIT & TIER POINTS: Additional information and restrictions are available at https://virginredrewardscard.syf.com/benefitsdetails.
ANNIVERSARY BOOST: In each year that the Virgin Red Rewards Mastercard Account is renewed, the Primary Accountholder will earn a bonus of 5,000 points, which will post to your Rewards Program Account within 1-2 Statement Periods provided your Rewards Program Account is open and in good standing.
ADDITIONAL CARDHOLDER BONUS: The primary cardholder will be liable for all purchases made on the account, including those made by an authorized user.
ANNUAL FEE and NO FOREIGN TRANSACTION FEE: New Accounts as of 7/1/26: Variable Purchase APR 19.74%, 23.74% or 27.74%. Variable Bal Trans APR 19.74%, 23.74% or 27.74% and 5% Fee ($5 min). Variable Cash APR 29.74% and 5% Fee ($10 min). Variable Penalty APR 29.74%, 33.74% or 37.74%. Min Interest Charge $2. Annual Fee $99.

***Points based on standard season prices for a return flight for two in Economy. Subject to availability. Taxes, fees and carrier-imposed surcharges apply to reward flights and upgrades, Virgin Atlantic Flying Club membership required and Virgin Atlantic Flying Club terms and conditions apply. The Virgin Red Programme Terms and Conditions apply to the earning and redeeming of Virgin Points via Virgin Red. 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.

The Virgin Red Programme Terms and Conditions apply to the earning and redeeming of Virgin Points via Virgin Red.

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....

Turn the money you spend every day into Virgin Points

Turn the money you spend every day into Virgin Points

The card more traveled

Earn more Virgin Points – on everything**

Always Included Luxury

Personal Perks**

VIRGIN VOYAGES

VIRGIN HOTELS

VIRGIN ATLANTIC

The benefits? Breathtaking**.

Always Included Luxury

Flying through the tiers

Anniversary Points

Friends & Family Cards

No foreign transaction fees on travel spending

Extra night at Virgin Hotels

Turn the money you spend every day into Virgin Points

Turn the money you spend every day into Virgin Points

The card more traveled

Earn more Virgin Points – on everything**

Always Included Luxury

Personal Perks**

VIRGIN VOYAGES

VIRGIN HOTELS

VIRGIN ATLANTIC

The benefits? Breathtaking**.

Always Included Luxury

Flying through the tiers

Anniversary Points

Friends & Family Cards

No foreign transaction fees on travel spending

Extra night at Virgin Hotels

*Terms apply