Earn 40,000 Virgin Points as a welcome from us when you spend $3,000 in your first 90 days.
Virgin Red Rewards Card
40,000 Bonus Points
Rewards Rate
1-3x points
Annual Fee
$99
Our Mission
At Daily Drop, our mission is simple: to help you explore the world affordably and experience life-changing travel by maximizing miles and points. Our team of travel and credit card experts is here to help you make decisions about which cards belong in your wallet. Based on your travel goals, we offer unbiased advice to help you make the best choices. Keep in mind that our suggestions require responsible credit card use.
Rating Methodology
Here at Daily Drop, we score credit cards using a proprietary formula based on dozens of metrics across six key categories: annual fee, welcome offer, rewards rates, redemption value, benefits & perks, and travel protections. Higher scores indicate better overall value.
We net the annual fee against statement credits you'll likely use and focus on a welcome offer's true return on spending (ROI) rather than just the headline number. We value rewards by their actual worth in cents per point, which is why flexible, transferable points typically score highest. APR is not a standalone scoring category because we recommend paying in full to maximize points and miles, but an intro 0% APR counts as a perk.
Our reviews are editorial and experience-driven. Our team has earned and redeemed millions of miles and points and tested these cards around the world. After all, we would not be Daily Drop if we were not practicing what we preach.
Read our full methodology for more information.
Rewards Summary
- 3x points per $1 spent on Virgin Altantic, Virgin Hotels and Virgin Voyages
- 2x points per $1 spent at grocery stores, on dining out, select streaming services and EV charging
- 1x points per $1 spent on everything else, where Mastercard is accepted
Additional Benefits
- Spend $15,000 in a year to choose one Personal Perk, or $30,000 to choose two, including a Flying Club reward voucher for a cabin upgrade or companion seat
- Priority room upgrade or one free nights stay at Virgin Hotels
- 5,000 anniversary Virgin Points every year
- Book two nights and get your third night free at participating Virgin Hotels, once a year
Our Experts
Written by: McKay Moffitt
Writer
Updated:Jul 2, 2026
Editorial disclaimer: opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Information was last updated Jul 2, 2026.