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Credit Card Reviews » Virgin Atlantic American Express® Card from Bank of America - Black |
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The Virgin Atlantic American Express Black Card from Bank of America combines the award-winning Virgin Atlantic travel services, the American Express global presence, and outstanding cardholder benefits of Bank of America. This card is designed for people with good or excellent credit history who want to take advantage of reasonable APR and rich airlines rewards.
The Virgin Atlantic American Express Black credit card comes on really enticing terms. First of all, you will get an attractive 0% introductory interest rate that applies to purchases, balance transfers, check cash advances, and direct deposits for the first six billing cycles. Thus you can reduce your current APR and pay off your debt sooner, make any interest-free purchases or withdraw money for free. What other credit card can provide you so many ways to save money?
Although you cannot lock in zero interest rates for the whole life of your credit card account, it does not mean that your plastic will not be profitable afterwards. The APR of the Virgin Atlantic American Express Black credit card remains reasonable even when the introductory period expires, so you can keep using your plastic on good terms.
In addition to the above benefits, cardholders will take advantage of absolute fraud protection against unauthorized charges, purchase protection, car rental loss and damage insurance, and various travel and emergency assistance services. Free online access to account and electronic bill payment service will help you manage your money and track spending more efficiently. If you need personal assistance, feel free to contact with the concierge service or 24/7 customer service.
The Virgin Atlantic American Express card comes with a $90 annual fee. It is a reasonable price when you consider how quickly you can rack up substantial rewards and bonus miles.
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0% Intro APR on Purchases, Balance Transfers for 6 Billing Cycles
13.99% Regular Variable APR for Purchases
20.99% Regular Variable APR for Cash Advances |
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$90 Annual Fee
20 days Grace Period |
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| (* 0% Intro APR for the first 6 billing cycles on purchases, balance transfers and cash advance checks) |
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| Finance Configuration: Average daily balance (including new purchases) |
| Additional Cardholders: n/a |
| Late Payment Fee: $15 if $0 - $100 ; $29 if between $100.01 - $250; $39 if $250.01 or over. |
| Over-The-Limit Fee: $15 if $0 - $500 ; $29 if between $500.01 - $1000; $39 if $1000.01 or over. |
| Cash Advance Fee: 3% of each such cash advance (minimum $10) |
| Balance Transfer Fee: 3% of each such transaction (minimum $10). |
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| Minimum Credit Limit: n/a |
| Maximum Credit Limit: n/a |
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| Type of Reward: Mile |
| Miles per Dollar: 3.00 |
| Additional Miles: Earn 2,500 bonus miles for each additional Cardmember added (max 2) |
| Bonus Miles First Purchase: 20,000 bonus |
| Bonus Miles Other: 15,000 bonus miles |
Mile Details: 20,000 Flying Club bonus miles after your first retail purchase.
Earn 3 miles per $1 spent on Virgin Atlantic purchases.
Earn 1,5 miles per $1 spent in retail purchases.
Earn up to 2 tier points per month for accelerated Flying Club status.
Earn up to 15,000 additional bonus miles upon anniversary.
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| Additional Features for Virgin Atlantic American Express® Card from Bank of America - Black: |
See website for additional benefits.
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| Important Notes for Virgin Atlantic American Express® Card from Bank of America - Black: |
See website for complete terms and conditions of card usage and application disclosure.
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| Notes: The review on Virgin Atlantic American Express® Card from Bank of America - Black was updated on August 05, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
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