The Virgin Atlantic American Express® Card - White, issued by Bank of America, is designed for those who travel frequently with Virgin Atlantic Airways or any of its partners and would like to take advantage of the mileage rewards program.
Through the rewards program, cardholders earn three miles per dollar spent with Virgin Atlantic Airways and one mile per dollar spent on all other purchases. 12,500 bonus miles are applied to the account upon their first purchase plus, an additional 7,500 miles will be applied to the account every year on the date of the account opening as long as reach $15,000 in spending for that year. Miles never expire, and there is no limit to the number of miles that can be earned. An additional $2,500 miles can be earned when cardholders add an additional user to their account.
The annual fee of $49 is reasonable when you consider how quickly your rewards can add up. There is a 0% introductory rate that applies to purchases, balance transfers, cash advance checks, and direct deposits for the first six billing cycles, and the interest rate is above average for a reward card after the introductory rate expires.
In addition to the reward program, cardholders can expect various benefits such as purchase protection, auto rental insurance, and various travel and emergency assistance services.
Therefore, those who frequently fly with Virgin Atlantic Airways and plan to take advantage of the reward program will benefit most from what the Virgin Atlantic White Card has to offer.
(This Credit Card program is issued and administered by FIA Card Services, N.A. American Express is a federally registered service mark of American Express and is used by the issuer pursuant to a license. Virgin Atlantic Airways is a registered trademark of Virgin Atlantic Airways Limited and is used by the issuer pursuant to license. Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation.)
Review Date: October 28, 2008
Note: The review on this card was updated on October 28, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application.
Intro Rate (Intro APR):
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0% APR for 6 Billing Cycles |
Intro Applied Towards:
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Purchases, Balance Transfers |
Additional Intro Details:
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The introductory rate is 0% for the first 6 billing cycles on purchases, balance transfers, and cash advance checks. |
Purchase APR:
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13.99% (Variable) |
Cash APR:
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20.99% (Variable) |
Finance Configuration:
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Average Daily Balance (including new purchases) |
Annual Fee:
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$49 |
Grace Period:
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20 Days (Min.) |
Over the Limit Fee:
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Based on your balance as of the day the fee is assessed - $15 on balances up to $500; $29 on balances over $500 up to $1,000; $39 on balances over $1,000 |
Cash Advance Fee:
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3%, $10 minimum |
Balance Transfer Fee:
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3%, $10 minimum |
Miles per Dollar:
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1 Mile |
Additional Miles:
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Cardholders can earn 3 miles per $1 spend on Virgin Atlantic purchases, and 1 mile spend per $1 in retail purchases. |
Mile Details:
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Cardholders can redeeem miles for travel on Virgin Atlantic or with other Flying Club partners. |
Expiration:
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None |
Yearly Limit:
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No |
Bonus First Purchase:
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12,500 Miles |
Bonus Annually:
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7,500 MIles** |
Bonus Details:
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**Cardholders will earn up to 7,500 additional bonus miles upon their anniversary.
***Cardholders will earn 2,500 bonus miles for an additional cardmember (limit 1 addition). |
Frequent Flyer Compatible:
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Yes |
Most Attractive Feature(s):
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| Travel rewards program; no limit on miles; low introductory rate |
Least Attractive Feature(s):
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| Annual fee |
Additional Features:
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Various Internet account related services.
Get 10% Off Published Virgin Atlantic Premium Economy Fares Until December 31, 2008.
Access to Virgin Atlantic Plastic Fantastic program.
Personal concierge services.
Identity theft protection.
Purchase protection.
Extended warranty for purchases.
Emergency assistance for medical, legal, personal, and travel matters.
24-Hour emergency roadside assistance.
Up to $500,000 in travel accident insurance.
See website for additional benefits.
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*See website for complete terms and conditions of card usage and application disclosure.
*Terms and Conditions.
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