Flying Club Miles Calculator - Virgin Atlantic Mastercard

Virgin Atlantic Mastercard

3X Virgin Atlantic
Earn Bonus Points w/ Spend
50% Off 2nd Award Ticket w/ Spend

Calculate how many Virgin Atlantic Miles you can earn and the cash value of the Virgin Atlantic Mastercard based on spend, benefits, and fees.

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The Virgin Atlantic Mastercard is a co-branded airline card provided by Bank of America. While it does provide a solid return on Virgin Atlantic points, it comes up short when it comes to any real perks when flying the airline. There's no priority perks, no way to spend your way to status, and no waived fees. The only thing the card really provides is points. Unfortunately, since Virgin Atlantic is 1-to-1 transfer partners of both Membership Rewards Points and Ultimate Rewards Points, you can earn Flying Club Miles at a higher rate across several categories. Unless for some reason Chase or AMEX doesn't work for you, I do not see anything that makes this card stand out.

Bonus Categories

The Virgin Atlantic Mastercard features one bonus category which is purchases directly with Virgin Atlantic. There's no limit to the amount of miles you can earn with this card.

3x Virgin Atlantic

Purchases directly with Virgin Atlantic Airlines with the Virgin Atlantic Mastercard will earn 3 Flying Club Miles per $1 spent. This is pretty good return of 3.6% if you peg these miles at 1.2 cents each. This rate can either be matched or outperformed by several reward cards between AMEX and Chase. On the AMEX side, you can earn 3x points with the AMEX Gold Card along with 4x points on dining and grocery. You can then transfer these points to your Virgin Atlantic account at a 1-to-1 ratio. If you're looking at Chase, you can earn 3x on travel (which include airline purchases) on both the Chase Ink Business Preferred Card and Chase Sapphire Reserve Card.

1.5x Non-Category

All purchases on the Virgin Atlantic Mastercard outside of Virgin Atlantic will earn 1.5 Flying Club Miles per $1 spent. This is a very nice return when it comes non-category spend. If you're looking at ways to earn more Flying Club Miles, the Blue Business Plus earns 2x on the first 50,000 in purchases which give you only a slight advantage over the Virgin Atlantic. The 1.5x rate can also be matched by both the Chase Freedom Unlimited Card and Chase Ink Business Unlimited Card in which both earn 1.5% cash back and have no annual fee. In order to transfer rewards earned on Chase's cash back cards, you'll need at least one Ultimate Rewards Point earning credit card.

Perks and Benefits

Bonus Flying Club Miles

Spending a minimum of $15,000 on the Virgin Atlantic Mastercard during the anniversary year will earn 7,500 bonus miles. An additional 7,500 Bonus Miles will be awarded after a minimum spend of $25,000 during the anniversary year.

50% Off 2nd Reward Ticket

This Virgin Mastercard also comes with the ability to get a Second Reward Ticket for Half the Miles when Flying Club miles are redeemed for a Virgin Atlantic Economy reward ticket. Cardholder must spend $25,000+ in purchases annually to qualify for the second reward ticket discount. This economy companion reward ticket is only once per year. Fees and taxes relating to the complimentary reward flight will still need to be paid.

Sign Up Bonus

The standard sign up bonus for the Virgin Atlantic Mastercard is 20,000 Flying Club miles after your first purchase. Cardholders will also receive 2,500 Bonus Miles for each of the first two authorized users added to the card for a total of 5,000 Bonus Miles.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The annual fee for the Virgin Atlantic Mastercard is $90. This is in-line with other co-branded airline cards. All of the perks of this card requires heavy spend. If you're able to earn the bonus Flying Club Miles, you'll make for more than double the fee. You might be able to squeeze a good amount of value out of the 50% off deal as well if you're able to hit that $25,000 goal. While this card is not worth it in my opinion, the fee is still justifiable if this is the card you want and you can run $25,000 across the card during the calendar year.

Authorized User Fee

The Virgin Atlantic Mastercard has an authorized user fee of $0. This means you can add friends and family as additional users to help you build your Flying Club Miles faster. If you end up getting this card, the 1.5x earning rate for non-category makes it worth adding authorized users.

Foreign Transaction Fee

The foreign transaction fee for the Virgin Atlantic Mastercard is 0%. This allows you to earn the same great rate of Flying Club Miles outside of the United States without worry about being penalized a fee for international purchases.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

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Page Last Updated: 2019-04-06

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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