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

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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.

Want to earn more points from credit cards? – December 2021 update

If you are looking to apply for a new credit or charge card, here are our November 2021 recommendations based on the current sign-up bonus.

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the top current deals:

British Airways BA Amex American Express card

British Airways American Express

5,000 Avios for signing up, no annual fee and an Economy 2-4-1 voucher for spending ….. Read our full review

British Airways BA Premium Plus American Express Amex credit card

British Airways American Express Premium Plus

25,000 Avios and the UK’s most valuable credit card perk – the 2-4-1 companion voucher Read our full review

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & two airport lounge passes Read our full review

The Platinum Card from American Express

30,000 points and an unbeatable set of travel benefits – for a fee 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 Gold

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

American Express Business Platinum

40,000 points sign-up bonus and a long list of travel benefits Read our full review

British Airways Accelerating Business American Express

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

Capital On Tap Business Rewards Visa

The most generous Avios Visa or Mastercard for a limited company Read our full review

For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending: