--- title: "Virgin Reward+ Mastercard Review UK 2026 | FlightLogic" description: "The Virgin Atlantic Reward+ Mastercard works best for people already loyal to Virgin Atlantic — the companion voucher at £10,000 annual spend is the entire…" url: https://flightlogic.co.uk/reviews/virgin-reward-plus-review-uk/ lastModified: 2026-07-03 source: FlightLogic (flightlogic.co.uk) licence: "Content © Elite Digital AI Solutions Ltd. Cite the URL above and the page author." --- # Virgin Reward+ Mastercard Review UK 2026 The Virgin Atlantic Reward+ Mastercard works best for people already loyal to Virgin Atlantic — the companion voucher at £10,000 annual spend is the entire reason to hold it. The earn rate is competitive, but the voucher is the value case. ## Who should skip it Verdicts mean naming who this is NOT for. From this review's own findings: - Clubhouse lounge access has been withdrawn from this card entirely — it's no longer a route into the Virgin lounge network - The £160-ish annual fee only pays for itself if you comfortably clear the £10,000 voucher threshold or are already flying Virgin often The Virgin Atlantic Reward+ Mastercard is a solid, unglamorous points-earning tool that works best for people already loyal to Virgin Atlantic — the annual companion voucher at £10,000 spend is the entire reason to hold it, and it gets meaningfully better once you have Silver or Gold Flying Club status. With Clubhouse lounge access now stripped from the card, there's less reason for casual or aspirational flyers to pay the annual fee versus just taking the free-tier Virgin card or a general cashback product. Call it a 6 out of 10: worth it for the right spender, skippable for everyone else. ## Pros - Straightforward 1.5 points per £1 base rate with an uncapped bonus rate on direct Virgin Atlantic bookings - Annual companion/upgrade voucher at £10,000 spend, with value scaling up sharply for Silver and Gold Flying Club members - No Eurozone foreign transaction fees and full Mastercard acceptance, wider than Amex-based rivals ## Room for Improvement - Clubhouse lounge access has been withdrawn from this card entirely — it's no longer a route into the Virgin lounge network - The £160-ish annual fee only pays for itself if you comfortably clear the £10,000 voucher threshold or are already flying Virgin often Booked and paid for with cash — FlightLogic does not accept press trips or comped stays unless explicitly disclosed here. **Annual Fee** £160 **Rewards** 1.5 Virgin Points per £1, companion/upgrade voucher at £10,000 annual spend **Important:** FlightLogic is not a financial adviser and does not currently earn commission on credit cards. This guide is educational information only — always check the issuer's own terms, eligibility checkers and fees before applying. 18+, subject to status. Credit is a commitment: only borrow what you can repay in full each month, because interest charges erase every reward on this page. Photo: FlightLogic original Image strategy: Original capture; Virgin red accent in pass or luggage tag optional. The Virgin Atlantic Reward+ is Virgin Money's paid-tier co-brand card, sitting above the fee-free Virgin Atlantic Reward card in the same stable. You'll earn 1.5 Virgin Points per £1 on everyday spend, rising to a bonus rate when you pay directly for Virgin Atlantic flights or Virgin Atlantic Holidays — a straightforward structure with none of the category juggling you get on some cashback cards. New applicants can currently pick up a welcome bonus of Virgin Points on signup, sometimes split across an initial purchase and a minimum-spend hurdle in the first few months — these promotional bonuses move around a fair amount through the year, so treat whatever number is advertised at the point of application as the one that counts, not anything you read here or elsewhere last month. The card's real hook is the annual companion or upgrade voucher, earned once you clear £10,000 of spend in a card year. It's a genuinely different mechanic to the British Airways Amex approach: instead of a flat voucher, Virgin scales the redemption value to your Flying Club tier. Red (i.e. no status) members get a voucher worth up to 75,000 Virgin Points towards a companion seat or upgrade; Silver and Gold members get double that, up to 150,000 points. That's a clever way to reward existing loyal flyers, but it also means the card is a much better deal if you've already got status than if you're starting from zero — a Red-tier voucher won't stretch nearly as far on a premium long-haul redemption. For comparison, BA's Amex Premium Plus card asks for £15,000 spend for its companion voucher, so Virgin's threshold is lower, though the value-scaling-by-tier structure makes a like-for-like comparison messy. Where this card has quietly got worse is lounge access. Virgin Money used to let Gold and Silver Flying Club members redeem a Clubhouse pass through the Reward and Reward+ cards; that perk has been withdrawn. If you're weighing this card up partly for lounge access, don't — you'll need status earned through flying, or a different card entirely, to get into a Virgin Clubhouse now. What you do still get: no foreign exchange fees on Eurozone spending (plus a couple of smaller currencies), Mastercard acceptance that's noticeably wider than Amex-based rivals, and Tier Point earning towards Flying Club status on your spending, capped monthly. None of that is groundbreaking, but it's honest, functional card mechanics rather than headline-grabbing extras. The annual fee sits in the mid-hundreds-of-pounds range — not nominal, and worth weighing against the fee-free Virgin Atlantic Reward card, which offers a similar voucher at a higher spend threshold for £0 a year. If you're not going to clear £10,000 of spend on this card within a year, the Reward+ fee is dead weight; the sums only work if you're either a heavy spender, already flying Virgin with some regularity, or both. The representative APR is steep, as it is on virtually every UK rewards card, so this only makes sense if you clear the balance monthly and are earning points, not carrying debt and paying interest that will wipe out any voucher value many times over. ## Before you pack — pre-trip essentials Flight and hotel links convert late. Finance, FX, insurance, and gear decisions happen weeks earlier — when professionals budget for long-haul stays. These picks fund FlightLogic without touching editorial scores. ### Budget the trip before you book flights Educational UK travel credit card comparisons — Avios, Virgin Points, lounge access, and Section 75 protection. FlightLogic does not earn commission on credit cards. ### Cover before you pack What UK travel insurance must cover for a flight booking, GHIC vs insurance, pre-existing condition screening, and FCA-authorised providers to get quotes from. ### Avios & companion vouchers Week-by-week educational roadmap for UK households — companion-voucher break-even maths, UK261 documentation, and how Avios cards fit a stack before your first long-haul. ### Is Virgin Reward+ worth the annual fee? Worth it for Virgin Flying Club loyalists who hit the companion seat threshold (~£10,000 spend) — less compelling after Clubhouse lounge access was removed from the card. ### Virgin Reward+ vs free Virgin Reward card? Reward+ earns faster and unlocks the voucher at lower spend; free card suits light spenders who only want a backup Virgin Points earner. Written by [Alex Turner](https://flightlogic.co.uk/authors/alex-turner/) Editor, Credit Cards & Points Strategy Alex leads FlightLogic's credit card coverage, testing welcome offers and running real-world break-even math on annual fees. He models every card he reviews against his own spending, not theoretical scenarios. ## More Credit Card Reviews