Virgin Atlantic® World Elite Mastercard®

Bank of America Mastercard World Elite Pending

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21

Benefits

2

Reward Categories

3x

Max Reward

19.2%

APR From
Basic Information
PENDING

Program ID: virgin-atlantic-world-elite-mastercard

Issuer: Bank of America

Card Name: Virgin Atlantic® World Elite Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier: World Elite

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 17:48

Last Scraped: Feb 14, 2026 09:05

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Virgin Atlantic Purchases 3x Miles Purchases made directly with Virgin Atlantic. No Cap
All Other Purchases 1.5x Miles All eligible purchases not categorized as Virgin Atlantic purchases. No Cap
Rewards Summary
PENDING

Reward Type: Virgin Points

Base Rate: 1.5x

Bonus Rate: 3x

Categories: 3x on Virgin Atlantic purchases, 1.5x on all other purchases

Quarterly Rotating: No

Expiration Policy: Virgin Points do not expire as long as you earn or redeem at least one point every 24 months.

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 21 Total
PENDING
Lifestyle 2
World Elite Mastercard Concierge
24/7 personal assistance

Enjoy 24/7 personalized assistance with dinner reservations, travel arrangements, event tickets, and more.

Priceless Cities
Exclusive experiences and offers

Access to unique experiences and offers in cities around the world.

Purchase Protection 2
Purchase Protection
Up to $1,000 per claim, $50,000 per account per year

Reimburses you for eligible items purchased with your card that are damaged or stolen within 90 days from the date of purchase.

Extended Warranty Protection
Up to an additional year, up to $10,000 per claim, $50,000 per account per year

Extends the original manufacturer's or store brand warranty for eligible items purchased with your card by an additional year on warranties of 5 years or less.

Rewards 5
Virgin Atlantic Purchase Rewards
3X points

Earn 3 Flying Club points for every $1 spent on eligible Virgin Atlantic purchases.

Everyday Purchase Rewards
1.5X points

Earn 1.5 Flying Club points for every $1 spent on all other eligible purchases.

Welcome Bonus Points
60,000 points

Earn 60,000 bonus Flying Club points after spending $2,000 in purchases within the first 90 days of account opening.

Additional Bonus Points
20,000 points

Earn an additional 20,000 bonus Flying Club points after spending a total of $12,000 in purchases within the first 6 months of account opening.

Annual Bonus Points
Up to 15,000 points annually

Earn up to 15,000 bonus Flying Club points each year. Earn 7,500 bonus points after spending $15,000 in purchases, and an additional 7,500 bonus points after spending a total of $25,000 in purchases within your card anniversary year.

Security 4
Cell Phone Protection
Up to $800 per claim, 2 claims per 12-month period

Get supplemental coverage for eligible damage or theft of your cell phone when you pay your monthly cell phone bill with your Virgin Atlantic World Elite Mastercard. A $50 deductible applies.

Mastercard Global Service
Emergency services

Get emergency assistance virtually anytime, anywhere, and in any language. Includes Lost/Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance.

Mastercard ID Theft Protection
Identity theft resolution services

Provides identity theft resolution services, including monitoring for suspicious activity and assistance with identity restoration.

Zero Liability Protection
Protection against unauthorized charges

You are not responsible for unauthorized transactions if your card is lost or stolen.

Status Benefits 1
Flying Club Tier Point Boost
Up to 50 Tier Points per month

Earn 25 Flying Club Tier Points for every $2,500 in purchases (up to 50 Tier Points per month) to help achieve or maintain elite status with Virgin Atlantic Flying Club.

Travel 2
Annual Companion Reward
One companion reward or upgrade annually

Earn a companion reward ticket (or an upgrade to Premium Economy or Upper Class) each year when you spend $25,000 or more in purchases within your card anniversary year. Taxes and fees apply.

No Foreign Transaction Fees
0% foreign transaction fee

Avoid foreign transaction fees on purchases made outside the United States.

Travel Insurance 5
Auto Rental Collision Damage Waiver
Secondary coverage

Provides secondary coverage for damage or theft of an eligible rental vehicle when you pay for the entire rental with your card and decline the rental company's collision damage waiver.

Travel Accident Insurance
Coverage for accidental death/dismemberment

Provides coverage for accidental death or dismemberment while traveling on a common carrier when you pay for the entire fare with your card.

Trip Cancellation/Interruption Insurance
Reimbursement for non-refundable fares

Reimburses non-refundable passenger fares if a trip is canceled or interrupted for covered reasons when you pay for the entire trip with your card.

Baggage Delay Insurance
Reimbursement for essential items

Reimburses for the purchase of essential items when your checked baggage is delayed by a common carrier for a specified period (e.g., 4 hours or more).

Lost Luggage Insurance
Reimbursement for lost/stolen luggage

Reimburses for the value of lost or stolen checked or carry-on baggage and its contents.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
PENDING

75,000

Points/Miles

Requirement: Spend $5,000 in 180 days

Fee Structure
PENDING
Annual Fee: $95.00
Year 1 Waived: No
Effective Annual Fee: $95.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $1.50
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: Either 3% of the amount of each balance transfer or $10, whichever is greater.
Cash Advance: Either 5% of the amount of each cash advance or $10, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 19.24% - 29.24%

Balance Transfer APR: 19.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 12 months

Intro BT APR: 0% for 12 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
740 - 850
Excellent
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: For 2026, Bank of America's application rules for the Virgin Atlantic World Elite Mastercard are expected to follow their established guidelines. New cardmembers are typically eligible for a welcome bonus after meeting a specified minimum spending requirement within the first 3 months (or 90 days) of account opening. Bank of America generally restricts welcome bonuses to once every 24 months for the same product. Application eligibility is subject to Bank of America's '2/3/4 Rule': applicants are generally limited to 2 new Bank of America credit cards in the past 2 months, 3 new Bank of America credit cards in the past 12 months, and 4 new Bank of America credit cards in the past 24 months. This rule applies across all Bank of America branded credit cards. Applicants must be at least 18 years old (19 in Alabama and Nebraska), a U.S. resident, and possess a good to excellent credit score (typically FICO 670+). All approvals are subject to Bank of America's creditworthiness assessment.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (MS) activities, high cumulative credit limit across all Bank of America accounts relative to income, abrupt and significant changes in spending patterns, failure to pay bills on time, defaulting on any Bank of America product, excessive credit limit increase requests, opening too many accounts too quickly (even if within the 2/3/4 rule, if it triggers internal risk flags), or negative banking history with Bank of America.

Cliff Effect Rules: The primary 'cliff effect' for this card is Bank of America's 2/3/4 application rule, which limits the velocity of new card applications across all BofA products. Additionally, the welcome bonus for the Virgin Atlantic World Elite Mastercard is typically available only once every 24 months per card product, preventing repeat bonuses within that timeframe.

Special Events: N/A

Holiday Promos: N/A

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Excellent travel rewards for Virgin Atlantic flyers, valuable sign-up bonus, includes perks like companion tickets and status boosts. No foreign transaction fees.

Top Negative:
Annual fee can be high for some, rewards are primarily tied to Virgin Atlantic, which limits flexibility for other airlines. Redemption availability can be challenging.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Sapphire Preferred Card
  • Capital One Venture Rewards Credit Card
  • American Express Gold Card

Card Value Score: 80.0 / 100

Est. Annual Rewards: $448.50

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0