Virgin Red Rewards Visa Signature Card

Synchrony Visa Signature Pending

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16

Benefits

4

Reward Categories

3x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: virgin-red-rewards-visa-signature-card

Issuer: Synchrony

Card Name: Virgin Red Rewards Visa Signature Card

Card Type: Credit

Network: Visa

Card Tier: Signature

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 11:09

Last Scraped: Feb 17, 2026 11:11

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Virgin Purchases 3x Points Eligible Virgin purchases made directly from Virgin Red participating companies, including Virgin Atlantic, Virgin Voyages, Virgin Hotels, Virgin Galactic, and other Virgin companies as determined by Virgin Red from time to time. No Cap
Travel 2x Points Eligible travel purchases made from airlines, hotels, motels, resorts, car rental agencies, cruise lines, travel agencies, and other travel-related merchants as determined by Synchrony Bank. No Cap
Dining 2x Points Eligible dining purchases made from restaurants, cafes, bars, and other food service merchants as determined by Synchrony Bank. No Cap
All Other Purchases 1x Points All other eligible purchases not categorized as Virgin, travel, or dining purchases. No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 3x

Categories: 3x Virgin purchases, 1.5x Groceries, Dining, Gas

Quarterly Rotating: No

Expiration Policy: Points do not expire as long as your account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 16 Total
PENDING
Financial 2
No Annual Fee
$0

The card does not charge an annual fee.

No Foreign Transaction Fees
0%

No fees are charged on purchases made outside of the United States.

Lifestyle 1
Visa Signature Concierge
24/7 service

Provides complimentary 24/7 personal assistance for booking travel, making dinner reservations, finding event tickets, and more.

Purchase Protection 2
Extended Warranty Protection
Up to 1 additional year, up to $10,000 per claim, $50,000 per year

Extends the manufacturer's original warranty for eligible items purchased with your Visa Signature card, typically for an additional year on warranties of three years or less.

Purchase Security
Up to 90 days from purchase, up to $500 per claim, $50,000 per year

Protects eligible new purchases made with your Visa Signature card against theft or damage for a specified period from the date of purchase.

Rewards 4
Virgin Purchases Rewards Earning
3 points per $1

Earn 3 Virgin Red points for every $1 spent on eligible Virgin purchases.

General Purchases Rewards Earning
1 point per $1

Earn 1 Virgin Red point for every $1 spent on all other eligible purchases.

Welcome Bonus Points
25,000 bonus points

Earn 25,000 bonus Virgin Red points after spending $1,000 on eligible purchases within the first 90 days of account opening.

Flexible Point Redemption
Varies by redemption

Redeem Virgin Red points for flights, hotels, experiences, and more across the Virgin ecosystem.

Shopping 1
Visa Signature Discounts and Offers
Varies by offer

Access to exclusive discounts and special offers on travel, dining, entertainment, and shopping from participating merchants.

Travel Assistance 2
Roadside Dispatch
Pay-per-use service

A pay-per-use roadside assistance program. Cardholders can call a toll-free number for services like towing, tire changing, jump starting, lockout service, fuel delivery, and winching.

Travel and Emergency Assistance Services
Referral service, cost of services extra

Provides a range of emergency services when you're traveling, including medical and legal referrals, emergency transportation assistance, and pre-trip assistance. Cardholders are responsible for the cost of third-party services.

Travel Benefits 1
Visa Signature Luxury Hotel Collection
Various hotel benefits

Access to a collection of over 900 luxury hotels worldwide with premium benefits like best available rate guarantee, automatic room upgrade upon arrival (when available), complimentary in-room Wi-Fi (when available), complimentary continental breakfast, $25 food or beverage credit, and late checkout (when available).

Travel Insurance 3
Auto Rental Collision Damage Waiver
Up to the actual cash value of most rental vehicles

Provides coverage for damage due to collision or theft for most rental cars when you pay for the rental with your eligible Visa Signature card and decline the rental company's collision damage waiver (CDW) or similar option. Coverage is secondary to other applicable insurance.

Lost Luggage Reimbursement
Up to $3,000 per trip

Reimburses you for the replacement of your checked or carry-on luggage and its contents if lost or stolen, up to a specified amount per trip, when you purchase your common carrier tickets with your eligible Visa Signature card.

Travel Accident Insurance
Up to $500,000

Provides coverage for accidental death or dismemberment when you purchase your common carrier tickets with your eligible Visa Signature card.

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
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 3% of the amount of each balance 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 & APR
PENDING
Standard APR

Purchase APR: 21.24% - 31.24%

Cash Advance APR: 31.24%

Intro APR Offers

Intro Purchase APR: 0% for 6 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: For 2026, applicants for the Virgin Red Rewards Visa Signature Card must be at least 18 years old, a U.S. resident, and possess a valid Social Security Number or ITIN. Approval is contingent upon a strong credit history, typically requiring a good to excellent credit score to qualify for the Visa Signature tier. A common welcome bonus structure for this card is earning a significant amount of Virgin Points (e.g., 30,000 points) after spending a specified amount (e.g., $1,000) within the first 90 days of account opening. Eligibility for the welcome bonus usually requires that the applicant has not received a bonus for this specific card product within the last 24 months.

Max Cards Per Issuer: 4

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases, payment of bills with credit card where cash equivalent is received), high cumulative credit limit across Synchrony accounts, rapid application for multiple Synchrony cards, sudden drastic change in spending patterns inconsistent with historical behavior, missed payments, or suspected fraud.

Cliff Effect Rules: Synchrony generally does not enforce complex 'card family' or 'cliff effect' rules like some other major issuers. However, eligibility for welcome bonuses is typically restricted to once per product every 24 months. There are no known rules preventing approval for this card based on holding other Synchrony-issued cards, though overall credit exposure is considered during the application process.

Special Events: While a Visa Signature card, promotions may align with Virgin Group events, such as Virgin Atlantic flight sales, Virgin Voyages cruise promotions, Virgin Hotels special offers, or Virgin Red program-wide bonus point events. Expect enhanced earning opportunities or redemption discounts during these periods.

Holiday Promos: Common promotional periods include Black Friday/Cyber Monday (late November), the broader holiday shopping season (December), and potentially early spring travel booking periods (February-March) or summer travel promotions (June-July). Synchrony may also run targeted promotions during other key retail or travel seasons.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Users appreciate the card's value for Virgin Red members and frequent Virgin Atlantic flyers, citing a good sign-up bonus and the benefits of earning Virgin Points for travel and experiences. The Visa Signature perks are also a plus.

Top Negative:
Common complaints include the annual fee potentially outweighing benefits for infrequent Virgin users, the limited flexibility of Virgin Points compared to general travel rewards, and occasional issues with Synchrony's customer service.

Approval Experience: 85.0 / 100

Recommended Alternatives
  • Chase Sapphire Preferred Card
  • Capital One Venture Rewards Credit Card
  • British Airways Visa Signature Card

Card Value Score: 75.0 / 100

Est. Annual Rewards: $400.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0