Virgin Red Rewards Mastercard®
Synchrony Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Synchrony Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Virgin Red Rewards Mastercard® from Synchrony Bank earns up to 2.8% effective value on dining in Madeen's catalog snapshot. Its annual fee is $99. New applicants may see: 60,000 Virgin Points Boarding Bonus - spend $4,000 on your card in the first 90 days to earn it. It's enough to hop continents..
- Top category
- Dining
- Effective value
- 2.8%
- Annual fee
- $99
Best for dining-heavy spend when the $99 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
What does the Virgin Red Rewards Mastercard earn in each category?
Dining is the strongest category at 2.8% effective value (2x miles at about 1.4 cents each). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Virgin Red Rewards Mastercard compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight music.
Dining is the strongest category at 2.8% effective value (2x miles at about 1.4 cents each). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Virgin Red Rewards Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x miles | 2.8% Top category |
| Grocery Supermarkets and grocery stores | 2x miles | 2.8% |
| Gas Gas stations and fuel | 1x miles | 1.4% |
| Travel Flights, hotels, transit | 1x miles | 1.4% |
| Other General everyday spend | 2x miles | 2.8% |
Madeen values Virgin Atlantic FlyingClub at about 1.4 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Virgin Red Rewards Mastercard reward caps and conditions?
The Virgin Red Rewards Mastercard has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 2 Virgin Points for every $1 you spend on dining out
- 2 Virgin Points for every $1 you spend at grocery stores
- 2 Virgin Points for every $1 you spend on popular streaming services
Who should get the Virgin Red Rewards Mastercard?
The Virgin Red Rewards Mastercard fits spenders who put meaningful volume in dining and can earn 2x miles. Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
Virgin Red Rewards Mastercard fits spenders who put meaningful volume in dining and can earn 2x miles. Madeen ranks its dining effective rate higher than about 81% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $99 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 2.8% effective (2x miles).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $99 annual fee requires enough spend in bonus categories to offset.
- Multiple caps, activations, or exclusions may limit headline earn rates.
- Virgin Atlantic FlyingClub value depends on how you redeem, not straight cash back.
What is the Virgin Red Rewards Mastercard welcome bonus?
In Madeen's catalog snapshot, the Virgin Red Rewards Mastercard welcome offer is 60,000 Virgin Points Boarding Bonus - spend $4,000 on your card in the first 90 days to earn it. It's enough to hop continents.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 60k Virgin Atlantic FlyingClub (~$840 estimated)
- Terms (catalog snapshot)
- 60,000 Virgin Points Boarding Bonus - spend $4,000 on your card in the first 90 days to earn it. It's enough to hop continents.
- Minimum spend
- $4,000
- Window
- 3Months
Does the Virgin Red Rewards Mastercard have an annual fee?
The Virgin Red Rewards Mastercard has an annual fee of $99 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $99
- Foreign transaction fee
- None
What benefits come with the Virgin Red Rewards Mastercard?
The Virgin Red Rewards Mastercard includes Additional cardholder bonus, Anniversary Virgin Points boost, Book two nights, get your third night free in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
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Common questions about the Virgin Red Rewards Mastercard
Where do cardholders spend most with the Virgin Red Rewards Mastercard?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on music and audio (2x), tv and movies (2x), coffee (2x) for the Virgin Red Rewards Mastercard. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
How much are 5000 virgin red points worth?
Dining is the strongest Madeen category for the Virgin Red Rewards Mastercard at about 2.8% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Virgin Red Rewards Mastercard have an annual fee?
The Virgin Red Rewards Mastercard carries an annual fee of $99 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Virgin Red Rewards Mastercard?
Dining is the strongest Madeen category for the Virgin Red Rewards Mastercard at about 2.8% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Virgin Red Rewards Mastercard charge foreign transaction fees?
The Virgin Red Rewards Mastercard does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Virgin Red Rewards Mastercard welcome bonus?
The Virgin Red Rewards Mastercard welcome offer in our snapshot: 60,000 Virgin Points Boarding Bonus - spend $4,000 on your card in the first 90 days to earn it. It's enough to hop continents.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
How does the Virgin Red Rewards Mastercard compare to similar cards?
Compare the Virgin Red Rewards Mastercard against Verizon Visa (4% on Dining, $0 fee); PayPal Extras Mastercard (3% on Dining, $0 fee); Venmo (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Virgin Red Rewards Mastercard This card | Dining | 2.8% | $99 |
Synchrony Bank | Dining | 4% | $0 |
Synchrony Bank | Dining | 3% | $0 |
Synchrony Bank | Dining | 3% | $0 |
Synchrony Bank | Dining | 2.6% | $99 |
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Synchrony Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Synchrony Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
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