Virgin Atlantic credit cards capping monthly mileage earning in 2020
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If you have a Virgin Atlantic cobranded Reward or Reward+ credit card, you may want to check your credit limit. Normally, you can only make purchases up to your credit limit each month/statement cycle. Once you hit your credit limit, you cannot make further purchases until you’ve paid down the balance below the credit limit. You might wait until the balance is due to do pay it in full to avoid interest, or you may only pay some of the balance each month, but provided you pay the balance down below the credit limit, you can keep using your card.
Some cardholders may wish to make more purchases than their credit limit allows in a month or statement cycle and can do this by paying down the balance before the end of the statement cycle. For example, if your credit limit is £3,000 and you wanted to make £6,000 in purchases in one month or statement cycle, you could make a £3,000 purchase (reaching your credit limit), pay of that balance in full immediately and then spend a further £3,000 to make the full £6,000 in purchases you wish to make.
Virgin Money advised TPG U.K. that as of 7 January 2020, Reward and Reward+ cardholders will only earn Flying Club miles on spend up to their credit limit each statement cycle/month. Using the example above, the cardholder would earn miles on the first £3,000 spent each statement cycle but if they paid down the balance within that statement cycle in order to make further purchases within that cycle, they would not earn Flying Club miles on the second £3,000 of purchases that cycle.
There are, however, no changes to earning rates. You’ll continue to earn:
- 0.75 Flying Club miles per £1 spent on the Reward credit card,
- 1.5 Flying Club miles per £1 spent on the Reward+ credit card
You’ll earn double these amounts for using the card directly with Virgin Atlantic, or with Virgin Holidays. Read our full reviews of the Virgin Atlantic Reward Credit Card U.K. and the Virgin Atlantic Reward+ Credit Card U.K.
Featured image by Josh Gribben / The Points Guy
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