Do you know you can apply for BOTH the Virgin White and Virgin Black credit cards?

If you have ever had a British Airways American Express card, you will know that it is NOT possible to have both the free BA Amex and the paid BA Premium Plus version.  You need to choose.

Virgin Atlantic also offers two different credit cards – the free White cards and the £140 annual fee Black cards.

You may assume that the same rules applied as with the British Airways card – ie that you had to choose between White or Black.  However, this is not the case.

MBNA is perfectly happy, subject to credit etc, to let you have both the Virgin White and Virgin Black credit cards.

The current sign-up offers on the cards are:

The free White card offers 3,000 Flying Club miles

The £140 Black card offers 18,500 Flying Club miles

We have seen better deals on these cards in the past but those days may be numbered given the EU caps on interchange fees which will slash credit card profitability.

I know people who managed to apply for both cards at once although this is pushing your luck.  If you already have one of the Virgin cards, however, you should think about whether you should get the other one.

If you currently have Virgin Black, you have nothing to lose – and 3,000 miles to gain – by taking out Virgin White.  You can always cancel it as soon as the free miles have hit.

If you currently have Virgin White, applying for Virgin Black means you are effectively paying £140 for 18,500 miles, which is a decent deal.  Once you have triggered the sign-up bonus you need to decide whether to keep spending on Black – with the higher earnings rate – or go back to White if you are close to hitting the upgrade voucher.

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Want to earn more points from credit cards? – April 2025 update

If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.

In 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus Mastercard

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios Mastercard

Get 5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.

SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on the ‘free for a year’ American Express Preferred Rewards Gold card is increased from 20,000 Membership Rewards points to 30,000 points. Points convert 1:1 into Avios (30,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.

SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on American Express Platinum is increased from 50,000 Membership Rewards points to a huge 80,000 points. Points convert 1:1 into Avios (80,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 points, FREE for a year & four airport lounge passes Read our full review

British Airways American Express Premium Plus

30,000 Avios and the famous annual 2-4-1 voucher Read our full review

The Platinum Card from American Express

80,000 bonus points and great travel benefits – for a large fee Read our full review

Virgin Atlantic Reward+ Mastercard

18,000 bonus points and 1.5 points for every £1 you spend Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers:

American Express Business Platinum

50,000 points when you sign-up and an annual £200 Amex Travel credit Read our full review

American Express Business Gold

20,000 points sign-up bonus and FREE for a year Read our full review

Capital on Tap Pro Visa

10,500 points (=10,500 Avios) plus good benefits Read our full review

Capital on Tap Visa

NO annual fee, NO FX fees and points worth 1 Avios per £1 Read our full review

British Airways American Express Accelerating Business

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review