Virgin Red Rewards Mastercard
Synchrony$99 a yearWorld Elite MastercardNo foreign transaction feeIssuer's page
Wait for a bigger offer if you can: a higher one ran recently.
Already have it? Keep it.
Welcome bonus
60,000points
after $4,000 in purchases in the first 3 months
Lower than the offer of up to 80,000 points (after $6,000 spend) we last recorded in August 2026.
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus60,000 points at 1.4¢ | $840 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$82 |
| Annual fee | −$99 |
| Meeting the $4,000 minimumearns 1.4% here vs 2% on Double Cash | −$24 |
| First year | $799 |
| Each year after | +$30 |
Not counted in the first year: other benefits (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | Grocery Stores | 2.8% |
| 2X | Dining | 2.8% |
| 2X | Select streaming services | 2.8% |
| 3X | Virgin Atlantic, Virgin Hotels, and Virgin Voyages | 4.2% |
| 1X | Everything else | 1.4% |
+ 1 more rate
| Rate | Category | Return |
|---|---|---|
| 2X | EV charging | 2.8% |
Noteworthy perks
- 3rd night free at participating Virgin Hotels once per year
Personal card · Earns Virgin Red
Benefits
Elite status (1)
- Virgin Atlantic Flying Club: Earn 25 Tier Points for each $2.5K in eligible purchases (max 50 Tier Points per month)
Protections (1)
- Mastercard ID Theft Protection, Mastercard ID Theft Protection detects and helps resolve identity theft events 24/7, powered by Iris/Generali
Other Perks
- 3rd night free at participating Virgin Hotels once per year
- 5K point yearly anniversary bonus
- Spend $15K in a calendar year to choose one Personal Perk, or $30K to choose two: Virgin Atlantic companion seat or cabin upgrade voucher, Virgin Hotels free night or priority room upgrade, or Virgin Voyages up to $300 bar tab or Blue Extras perks package
- Earn up to 10,000 bonus points by adding authorized users (no spending required)
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Virgin Red RewardsOct 8, 2026
- changed from 70K bonus points after $4K spend in the first 90 days to 60K bonus points after $4K spend in the first 90 daysOct 7, 2026
- changed from 60K bonus points after $4K spend in the first 90 days to 70K bonus points after $4K spend in the first 90 daysSep 15, 2026
- changed from 60K after $4K spend in the first 3 months + 20K after an additional $2K spend in the first 6 months to 60K bonus points after $4K spend in the first 90 daysAug 25, 2026
- changed from null to 4000Aug 13, 2026
- changed from null to 90Aug 13, 2026
- changed from 60K after $4K spend in the first 3 months + 20K after an additional $2K spend in the first 6 months + 2.5K for adding an authorized user (up to 4) to 60K after $4K spend in the first 3 months + 20K after an additional $2K spend in the first 6 monthsAug 6, 2026
- changed from 60K after $4K spend in the first 3 months + 20K after an additional $2K spend in the first 6 months to 60K after $4K spend in the first 3 months + 20K after an additional $2K spend in the first 6 months + 2.5K for adding an authorized user (up to 4)Aug 6, 2026
- changed from 60K after $4K spend in the first 90 days to 60K after $4K spend in the first 3 months + 20K after an additional $2K spend in the first 6 monthsAug 4, 2026