New higher offer: Earn 60,000 bonus points on the Virgin Red Mastercard
Virgin Red might not be the first loyalty program that springs to mind for U.S. travelers. However, if you're someone who wants flexibility, experience-based rewards and transatlantic escapes to the United Kingdom and beyond, you need to know about the valuable Virgin Red Rewards Mastercard®.
Currently, new applicants can earn an elevated bonus of 60,000 Virgin points after spending $4,000 within 90 days of account opening — that's a 50% increase from its previous bonus.
Based on TPG's July 2025 valuations, 60,000 Virgin points are worth an impressive $780. At only a $99 annual fee, the Virgin Red card offers a solid welcome bonus and additional cardholder perks.
So, whether you want to fly across the pond, book a hotel stay or redeem your points for a memorable dining experience, Virgin Red's loyalty program can offer you great value.
The information for the Virgin Red Rewards credit card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
The best ways to use Virgin points
Let's start with flights to Europe. We're huge fans of Virgin Atlantic's Saver fares at TPG. By linking your Virgin Red account with your Virgin Atlantic Flying Club account, you can combine all of your Virgin points into one account, which would allow you to book award flights to London starting at only 6,000 Virgin points plus fees, taxes and surcharges.
That means those 60,000 points from the Virgin Red Rewards Mastercard could net you up to 10 one-way flights to London. Alternatively, you could take the whole family and fly five people round-trip.
If flying isn't your priority, Virgin Red also offers hundreds of ways to redeem your points across food and drinks, health and wellbeing, live events, retail, travel and other spaces.
For example, you could treat yourself and a plus-one to a sunset dinner at the Empire State Building for 31,000 Virgin points, or book a Brooklyn Bridge bike tour for two for only 12,000 points. Since Virgin Hotel reward nights start at just 25,000 points per night, you could also opt to spend your bonus points on a two-night getaway.
You might also choose to save your Virgin points to eventually splurge on a luxury cruise vacation with Virgin Voyages or a stay at one of Virgin's Limited Edition properties, such as Mont Rochelle in South Africa or Son Bunyola in Mallorca, Spain.
Related: Virgin Hotels London-Shoreditch is now open
Benefits of the Virgin Red Rewards Mastercard
Aside from the solid welcome offer, for every dollar you spend on the card, you will earn up to 3 Virgin points. Plus, if you're a regular spender, the card's "Personal Perks" system can be even more rewarding. If you spend $15,000 annually on the card, you can choose a benefit like a companion flight on Virgin Atlantic, up to a $300 bar tab on a Virgin Voyages cruise or a free night stay at Virgin Hotels. If you spend $30,000, you get to pick two perks — and yes, you can pick the same one twice.
Flyers also earn Tier Points toward Virgin Atlantic elite status: 25 Tier Points per $2,500 spent, with a monthly cap of 50 points. If you're strategic with your spending, you could significantly speed up your climb to Silver or Gold Flying Club status, which will allow you to enjoy benefits like bonus Virgin points, free checked baggage, premium check-in and complimentary seat assignments.
There's also an annual third-night-free benefit at participating Virgin Hotels.
Bottom line
With an annual fee of just $99, the Virgin Red Rewards Mastercard offers a solid earning structure and card benefits. Plus, the elevated 60,000-point welcome bonus can be redeemed for travel, lifestyle, events and more.
This loyalty program stands out for offering genuinely fun, experience-driven redemptions. There are many ways to redeem Virgin points at home and abroad, and the card also offers a neat path to Virgin Atlantic Flying Club elite perks.
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| 3X | Earn 3X Miles on Delta purchases. |
| 1X | Earn 1X Miles on all other eligible purchases. |
Pros
- Delta SkyClub access when flying Delta
- Annual companion ticket for travel on Delta (upon renewal)
- Ability to earn MQDs through spending
- Various statement credits for eligible purchases
Cons
- Steep annual fee of $650
- Other Delta cobranded cards offer superior earning categories
- Earn 100,000 Bonus Miles after you spend $6,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 25,000 bonus miles after you make an additional $3,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 04/01/2026.
- Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
- Enjoy complimentary access to The Centurion® Lounge in the U.S. and select international locations (as set forth on the Centurion Lounge Website), Sidecar by The Centurion® Lounge in the U.S. (see the Centurion Lounge Website for more information on Sidecar by The Centurion® Lounge availability), and Escape Lounges when flying on a Delta flight booked with the Delta SkyMiles® Reserve American Express Card. § To access Sidecar by The Centurion® Lounge, Card Members must arrive within 90 minutes of their departing flight (including layovers). To access The Centurion® Lounge, Card Members must arrive within 3 hours of their departing flight. Effective July 8, 2026, during a layover, Card Members must arrive within 5 hours of the connecting flight.
- Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
- Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
- $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
- Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
- Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $650 Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees