*The Virgin Red Rewards Mastercard is only available to applicants 18 or older who have an address in the United States. This communication is exempt from the general restriction under section 21 of the Financial Services and Markets Act 2000 (FSMA) on the communication of invitations or inducements to engage in investment activity on the grounds that it is made or directed only at persons outside the UK and within the USA.

**Subject to credit approval. See Credit Rewards Terms for details. Term apply:
 

• BOARDING BONUS: Limit one offer per accountholder. Eligible net purchases (purchases minus returns and adjustments) of $4,000 or more must be made within 90 days of opening a new account. To receive points, your Virgin Red Rewards card must be successfully linked to your Virgin Red account and your credit card account must be open, in good standing and not delinquent. If earned, points will post to your Virgin Red account within 1-2 billing cycles. We reserve the right to discontinue or alter this offer at any time.
• REWARD POINTS: 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, VIRGIN HOTEL BENEFIT & TIER POINTS: Additional information and restrictions are available at https://virginredrewardscard.syf.com/benefitsdetails.
• ANNIVERSARY 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 and in good standing.
• ADDITIONAL CARDHOLDER BONUS: The primary cardholder will be liable for all purchases made on the account, including those made by an authorized user.
• ANNUAL FEE and NO FOREIGN TRANSACTION FEE: New Accounts as of 10/1/25: Variable Purchase APR 20.24%, 24.24% or 28.24%. Variable Bal Trans APR 20.24%, 24.24% or 28.24% and 5% Fee ($5 min). Variable Cash APR 30.24% and 5% Fee ($10 min). Variable Penalty APR 30.24%, 34.24% or 38.24%. Min Interest Charge $2. Annual Fee $99.

***Points based on standard season prices for a return flight for two in Economy. Subject to availability. Taxes, fees and carrier-imposed surcharges apply to reward flights and upgrades, Virgin Atlantic Flying Club membership required and Virgin Atlantic Flying Club terms and conditions apply.

The Virgin Red Programme Terms and Conditions apply to the earning and redeeming of Virgin Points via Virgin Red.

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.

“Virgin Red Rewards Card Offer” Terms and Conditions

Posted: October 14, 2025


1. Offer Details. These terms and conditions outline the Virgin Red Rewards Card Offer.

2. Eligibility/Caveats.

2.1. Virgin Voyages will provide a promotional sailor loot of $200 USD per cabin on all new bookings purchased on an eligible voyage, as outlined in Section 2.3 below, between 12:01 a.m. local U.S. East Coast time on 14 October 2025 through 11:59 p.m. local U.S. East Coast time on 14 November 2025. When booking, the Sailor must enter the Access Key provided during checkout to receive the offer.

2.2. Eligible Cabins and Fares. The Virgin Red Rewards Card Offer applies only to the following cabin categories: Brilliant Suite, Cheeky Corner Suite - Biggest Terrace, Cheeky Corner Suite - Even Bigger Terrace, Cheeky Corner Suite - Pretty Big Terrace, Seriously Suite, Sweet Aft Suite - Biggest Terrace, Sweet Aft Suite - Even Bigger Terrace, Sweet Aft Suite - Pretty Big Terrace, XL Sea Terrace, Central Sea Terrace, The Sea Terrace, Ltd View Sea Terrace and Sea Terrace: (Slightly) Smaller Balcony. Base, Essential and Premium fare bookings are eligible for this promotion.

2.3. The Virgin Red Rewards Card Offer is only eligible on the voyage dates below, and cannot be used for chartered sailings.  Dates are inclusive. 

• Brilliant Lady Voyages departing: 08 November 2025, 28 November 2025, and 07 December 2025
• Resilient Lady Voyages departing: 15 November 2025, 29 November 2025, 13 December 2025, and 20 December 2025
• Scarlet Lady Voyages departing: 31 October 2025, 16 November 2025, 14 December 2025, 02 January 2026, and 11 January 2026
• Valiant Lady Voyages departing: 02 November 2025, 15 November 2025, 22 November 2025, 29 November 2025, 05 December 2025, 13 December 2025, 20 December 2025, and 03 January 2026

2.4. The Virgin Red Rewards Card Offer may only be combined with the 70% Off 2nd Sailor + Instant Savings Offer, Pay In Full Discount, Resident Rate Programs, Military and First Responders Rates Offer. This offer is not combinable with any other promotional offers, discounts, or credits, including but not limited to My Next Virgin Voyage Program, Lock-it-in Rates, or reduced-rate cabins. Offer and combinability with other promotional offers are subject to change at any time per Virgin Voyages' discretion.

2.5. Incentive and Contracted Circle Programs are excluded from this offer.

2.6. Travel Agents (or “First Mates” in our branding voice) do not earn commission on the Sailor Loot value given to Sailors for the Virgin Red Rewards Card Offer.

2.7. The promotional onboard sailor loot is not redeemable for cash and has no cash value. The promotional onboard sailor loot will expire at the end of the selected voyage. 

3. Cancellations. Virgin Voyages’ cancellation policies apply. We reserve the right to modify this offer at any time.