Virgin Atlantic Mastercard Calculator

Review the benefits of the Virgin Atlantic Mastercard, calculate how many Virgin Points you can earn, and compare results against top rewards cards.
Updated 2020-06-30 By Robert Flowers III

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 and those can be earned easily with several transfer partners.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

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
    • Includes Virgin Atlantic Airways tickets and duty free items purchased directly from Virgin Atlantic Airways.
    • Buying Flying Club Miles (Buy/Gift/Boost/Transfer miles) does not qualify for the bonus.
  • 1.5x Non-Category

Perks & Benefits

The Virgin Atlantic Mastercard offers bonus miles and a discounted award ticket with both benefits being obtainable after running spend through the card.

  • 15,000 Bonus Flying Club Miles
    • Earn 7,500 miles after spending a minimum of $15,000 on the card during the anniversary year.
    • Earn an additional 7,500 miles after spending a minimum of $25,000 on the card during the anniversary year.
    • Gives you a grand total of 15,000 miles after $25,000 in spend.
  • 50% Off 2nd Reward Ticket
    • Get a second award ticket for half the miles when you redeem your miles for a Virgin Atlantic Economy reward ticket.
    • Benefit is only available after spending $25,000 on the card during the calendar year.
    • Benefit is only once per year.
    • Taxes and fees will still need to be paid.

Sign Up Bonus

The standard sign up bonus for the Virgin Atlantic Mastercard is 30,000 Flying Club Miles after spending $1,000 in purchases during the first 90 days of account opening.


Annual Fee

The annual fee for the Virgin Atlantic Mastercard is $90. All of the perks of this card requires heavy spend. If you're able to run enough spend through this card to hit those goals, the card could very well be worth it. If not, you can generally get better earnings using transfer partner credit cards.

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 for international purchases.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

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 other rewards card side-by-side by clicking on the Compare A Card button.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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