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Bank of America Virgin Atlantic Mastercard 2020 Review – Forbes Advisor

Flying Club, Virgin Atlantic’s loyalty program, is a program that can get amazing value when you redeem your miles on flights, especially flights with partner airlines. However, it takes time to understand the rules. When you get the chance to earn Flying Club miles with Bank of America’s Virgin Atlantic World Elite Mastercard, you’ll be on your way to free flights sooner than ever before.

Earn rewards

Seasoned travelers who appreciate Virgin Atlantic’s Flying Club program may find the Bank of America Virgin Atlantic World Elite Mastercard a lucrative addition to their points and miles portfolio. The card offers bonus miles in several performance levels. The first tier offers cardholders 30,000 Flying Club bonus miles after spending $ 1,000 or more on purchases within the first 90 days of opening an account.

Additionally, you can earn an additional 5,000 Flying Club miles when you add two authorized users to your account, 2,500 miles per user. At the end of the year, earn an anniversary bonus of 15,000 Flying Club miles per year when you make qualifying purchases of $ 25,000. If you meet and add the spending thresholds, that card essentially turns into an offer of 50,000 Flying Club miles in your first year of two authorized users.

One of the most valuable features of this card is the Daily Spend Ratio, which gives you a generous 1.5 Flying Club miles per dollar on all purchases with no limit on the miles you can earn. Most other airline cards only offer 1 mile for every dollar spent on everyday purchases.

Similar to other airline cards, the Virgin Atlantic card awards 3 Flying Club miles per dollar on Virgin Atlantic flights.

Redeem rewards

Virgin Atlantic’s loyalty program, Flying Club, generally does not provide the best value for your points and miles if you only want to use them to fly Virgin Atlantic. For one thing, they levy high fuel surcharges and taxes on their own flights, especially on flights that cross London.

As Virgin Atlantic is based in London, many of their flights will be affected by these surcharges. That said, you can find some deals on Virgin Atlantic flights, specifically in business. For example, Virgin Atlantic flights from Washington Dulles (IAD) to London Heathrow (LHR) in economy class cost just 10,000 Flying Club miles and one-way taxes and fees of approximately $ 150.00.

You can only redeem 10,000 Flying Club miles on flights such as New York JFK to London.

The real value of this program lies in the affiliate price charts. Virgin Atlantic uses a different chart for each airline affiliate, and some withdrawals are better deals than others.

One of the sweet spots for Virgin Atlantic partner pricing is flights on the Japanese airline ANA in their premium cabins. For a return flight from the neighboring USA to Japan, the mileage cost is 110,000 Flying Club miles. Taxes and fees are less than $ 300.

You will need to check availability using ANA’s search engine and call the Virgin Atlantic Flying Club to book. However, it is worth taking additional steps to learn about this top-notch product.

Virgin Atlantic’s Award Chart for ANA. The table shows the mileage costs for round trips.

Reward potential

Forbes Advisor collects data from various government agencies and uses it to determine income and expenses in different categories for consumer credit cards. The 70th percentile of wage earning households in the U.S. brings in $ 100,172 annually and can charge around $ 26,410 from credit cards each year.

With the Bank of America Virgin Atlantic Credit Card, you get:

  • 3 miles per dollar spent on purchases made directly with Virgin Atlantic
  • 1.5 miles per dollar spent on all other purchases

Forbes Advisor estimates that the average consumer will spend $ 1,755 per year on flights. When someone pays for these flights with Virgin Atlantic, the Virgin Atlantic credit card, they earn a total of 5,265 Flying Club miles.

Other expenses that can reasonably be deducted from a credit card result in additional annual spending of $ 24,655 and would earn approximately 36,983 Flying Club miles for a total of 42,248 Flying Club miles accrued per year in addition to the welcome offer for the first year will.

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