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Virgin Red Mastercard

Frequently Asked Questions

Have questions? We have answers.


Subject to credit approval. The Virgin Red Rewards Mastercard is only available to Virgin Red members 18 or older who have an address in the 50 United States or D.C.

  • REWARD POINTS: See Credit Rewards Terms for details. We do not evaluate whether merchants correctly identify and bill transactions; however, we do reserve the right to determine which transactions qualify. EV Charging Stations do not include merchants of Parking Lots, Parking Meters and Parking Garages.
  • PERSONAL PERKS: See Credit Rewards Terms for details. Additional information and restrictions are available at https://virginredrewardscard.syf.com/benefitsdetails.
  • TIER POINTS: See Credit Rewards Terms for details.
  • VIRGIN HOTELS BENEFIT: See Credit Rewards Terms for details. Additional information and restrictions are available at https://virginredrewardscard.syf.com/benefitsdetails.
  • ADDITIONAL CARDHOLDER BONUS: The primary cardholder will be liable for all purchases made on the account, including those made by an authorized user. See Credit Rewards Terms for details.
  • RENEWAL BOOST: In each year that the Virgin Red Rewards Mastercard Account is renewed, the Primary Accountholder will earn a bonus of 5,000 points, which will post to your Rewards Program Account within 1-2 Statement Periods provided your Rewards Program Account is open.
  • ANNUAL FEE and NO FOREIGN TRANSACTION FEE: New Accounts as of 07/16/2024: Variable Purchase APR 21.49%, 25.49% or 29.49%- Variable Bal Trans APR 21.49%, 25.49% or 29.49% and 5% Fee ($5 min). Variable Cash APR 31.49% and 5% Fee ($10 min). Variable Penalty APR 31.49%, 35.49% or 39.49%- Min Interest Charge $2. Annual Fee $99.

This card is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.