Verdict: This card is for individuals who wish to earn miles for purchases. The miles earned, however, are low compared to other miles cards and the annual fee is high.

Overview:
This card earns you up to 3 miles for every $1, and you receive 20,000 points when you make your first purchase. There are other miles bonuses, such as an additional 2,500 for an additional cardmember and up to 15,000 miles when you reach your anniversary.

How This Card Works:
You earn a bonus 20,000 miles after your first purchase and 3 miles for every $1 on Virgin Atlantic purchases and 1.5 miles for every $1 spent in retail purchases. You also receive miles bonuses for adding addition cardmembers and when your account reaches one year old. There is no annual cap on miles you earn and the miles never expire as long as your account is active.

This card also offers travel accident insurance and car rental loss and damage insurance as well as warranty extensions on products you purchase with this card.

Travel and Shopping Benefits:
This card has travel benefits, earning up to 3 miles for every $1 spent on Virgin Atlantic purchases, and 1.5 miles for every $1 in retail purchases. You also receive many bonus miles your first year. If your account ever becomes inactive, all miles will be forfeit. This card also provides travel insurance and car rental insurance.
　
Fees:
There’s a 0% introductory APR for the first six months on purchases and balance transfers. After this, the variable APR is 12.99% with a default rate of 27.99%. The balance transfer fee is 3% with a minimum of $10. The cash advance rate is 27.99%. The grace period is 20 days. There’s an annual fee of $90. Late fees are based on the balance on the day the fee is charged. If the balance is under $100 the fee is $15. For balances between $100 and $250, the fee is $29. For balances above $250, the fee is $39. Over the limit fees are $15 for balances under $500, $29 for balances between $500 and $1,000, and $39 for balances over $1,000.

Pros:

• Low APR
• Bonus miles upon signup and one year anniversary
• Travel insurance
• Warranty extensions

Cons:

• Does not earn many miles after one year
• $90 annual fee

(1 votes, average: 4.00 out of 5)

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