Virgin Red Rewards Mastercard®
- Annual Fee
- $99
- points · Welcome Bonus
- 60,000
- Highest rate (conditional)
- Up to 3X (Virgin Atlantic)
Terms checked against the issuer on October 29, 2026
At a Glance
- Annual Fee
- $99
- Foreign Transaction Fee
- $0
- Network
- Mastercard World Elite
- Rewards Currency
- Virgin Atlantic FlyingClub
- Credit Required
- Good
Welcome Offer
60,000
points
Spend $4,000 in the first 3 months
Earning Rates
- 3X
Virgin Atlantic
3 Virgin Points for every $1 you spend with Virgin Atlantic, Virgin Hotels and Virgin Voyages
- 2X
Dining
2 Virgin Points for every $1 you spend on dining out
- 2X
Grocery Stores
2 Virgin Points for every $1 you spend at grocery stores
- 2X
Streaming
2 Virgin Points for every $1 you spend on selected streaming services
- 2X
Ev Charging
2 Virgin Points for every $1 spent charging your EV (excludes parking lots, meters and garages)
Benefits & Perks
Dining Out
2x at restaurants
Virgin Atlantic FlyingClub
200 points on a $100 dinner. We don't put a dollar value on this currency yet.
Annual fee: $99
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 2x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Reviews & Analysis
The Math: Is $99 Worth It?
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$99
Net Annual Value
-$99
Details & Terms
Payment Terms
| Purchase APR | 19.74%–27.74% (Variable) |
| Cash Advance APR | 29.74% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | Issuer Page | |
| Synchrony Financial | Synchrony Financial: Multiple card facts | |
| Issuer Page | Issuer Page: Apr | |
| Issuer Page | Issuer Page: Apr | |
| Issuer Page | Issuer Page: Apr | |
| Issuer Page | Issuer Page: Apr |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
