Virgin Atlantic® World Elite Mastercard®
Basic Information
Program ID: virgin-atlantic-world-elite-mastercard
Issuer: Bank of America
Card Type: Credit
Network: Mastercard
Card Tier: World Elite
Data Complete: Yes
Created: 01/15/2026 17:48
Last Scraped: 01/15/2026 17:50
Fee Structure
| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $95.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $90,000.00
Spending Requirement: $25,000.00
Time Period: 360 days
Bonus Timing: Bonus points are typically awarded within 8-12 weeks after you meet the spending requirements for each tier of the bonus.
Rewards Program
Reward Type: Virgin Points
Base Reward Rate: 1.50%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Virgin Atlantic Purchases, 1.5x All Other Purchases
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as the Flying Club account is active and has qualifying activity every 24 months.
Transfer Partners: Delta Air Lines, Air France-KLM, ANA, Singapore Airlines, Hawaiian Airlines, SAS, South African Airways, Virgin Australia
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Concierge Service
Approval Criteria
Recommended FICO Range: 700 - 850
Approval Odds Category: Excellent
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: Bank of America's 2/3/4 rule applies: applicants cannot be approved for more than 2 new Bank of America credit cards in the past 2 months, 3 in the past 12 months, or 4 in the past 24 months. The welcome bonus is generally available only to new cardmembers who have not had this specific card product in the past 24 months. Eligibility typically requires a good to excellent credit score (FICO 700+) and sufficient income to support the credit line.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS), high cumulative credit limit across all Bank of America cards, rapid succession of applications (even if within 2/3/4 rule, if deemed suspicious), late or missed payments, excessive credit line increase requests, abuse of card benefits, or opening and closing too many accounts too quickly (churning).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Excellent for Virgin Atlantic flyers, good for earning miles and companion pass, valuable travel perks like no foreign transaction fees.
Top Negative Feedback:
Annual fee can be high if not flying Virgin Atlantic frequently, limited redemption options outside of Virgin Atlantic, high APR if carrying a balance.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Bank of America Travel Rewards credit card
- United Explorer Card
- Chase Sapphire Preferred Card
Card Value Score: 88.0 / 100
Est. Annual Rewards: $412.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 90 months
Store vs Co-brand: 0% Store / 100% Cobrand
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0