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Card Economics
Annual Fee
$99
Ongoing Annual Value
−$41
First-Year Value Estimate
$737
Net Value
−$140
Card type: PersonalForeign transaction fee: NoneCurrency: Virgin Red
Virgin Red Rewards Mastercard

Virgin Red Rewards Mastercard

Synchrony
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Sign-up Bonus

60K bonus points after $4K spend in the first 90 days
Am I eligible?

Earning Structure

3XVirgin Atlantic, Virgin Hotels, and Virgin Voyages4.2%
2XDining2.8%
2XEV charging2.8%
2XGrocery Stores2.8%
2XSelect streaming services2.8%
1XAll other purchases1.4%

Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.

Is this the best card for Virgin Atlantic, Virgin Hotels, and Virgin Voyages?Is this the best card for Dining?Is this the best card for EV charging?

Benefits

Worth it for me?
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)