THE CARDTUNED DATABASE
Virgin Red Rewards Mastercard
Issuer: Synchrony · Network: Mastercard
3X Virgin Atlantic/Hotels/Voyages; 2X grocery, dining, streaming and EV charging; 1X other
- Annual fee
- $99
- Foreign transaction fee
- $0
- Intro APR
- No public introductory APR listed.
- Regular APR
- 19.74%, 23.74% or 27.74% variable purchase APR for new accounts as of 2026-07-01
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
60,000 Virgin Points after $4,000 in eligible net purchases within the first 90 days
- Spending requirement
- $4,000 in eligible net purchases
- Time window
- Within the first 90 days
Offer last checked: 2026-09-09
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Hotels | 3X | Virgin Atlantic/Hotels/Voyages |
| Selected categories | 2X | grocery, dining, streaming and EV charging |
| Other purchases | 1X | other |
Additional benefits
• 60,000 Virgin Points after $4,000 in eligible net purchases within 90 days
• 5,000 anniversary points at card renewal
• One Personal Perk after $15,000 annual spend and a second after $30,000
• One third hotel night free each cardholder year at participating Virgin Hotels
Restrictions to know
The boarding bonus is limited to one offer per accountholder and requires $4,000 in eligible net purchases within 90 days. The card must be linked to Virgin Red and remain open and in good standing. Personal Perks require $15,000/$30,000 in cardholder-year spend. Hotel participation and availability restrictions apply. A $99 annual fee applies.
Who can apply
Virgin Red membership required
Credit profile: Issuer underwriting applies; no universal public score cutoff