Is the Virgin Atlantic Reward+ Mastercard worth it in 2026?
£160/year
The Virgin Atlantic Reward+ Mastercard earns 1.5 Membership Rewards points per £1. Whether it's worth the fee comes down to one question: do the perks and points you'll actually use add up to more than £160 a year? Here's what's on the table — and a free tool to work out your number.
Virgin voucher (upgrade or companion) — earned at £10,000 spend in a card year, valid 24 months. Spend £10,000 in a card year and choose a reward: a companion seat or a cabin upgrade on a Virgin Atlantic points booking, worth up to 75,000 Virgin Points (Red tier) or up to 150,000 points (Silver/Gold tier). Valid 24 months. Default value £400 — the £10k trigger is very reachable and Upper Class upgrades can be worth far more, discounted for caps, taxes and the risk you never fly it.
Does it pay for itself?
You need more than £160 of value a year to come out ahead. Unused perks are worth £0, so the honest answer depends on how you'd really use it: lounges you'd actually visit, credits you'd actually spend, insurance you'd otherwise buy, and vouchers you'd actually redeem. The free CCWorth adds it all up from your own answers and shows your real position — plus exactly what it'd take to break even.