Synchrony · Mastercard World Elite · Personal
Virgin Atlantic Red Rewards
A $99-a-year card earning Flying Club: 3× on 3 categories, 1× on everything else.
- Annual fee
- $99Charged every year
- Signup bonus
- 60,000 ≈ $880 in travel (our estimate)*
- Top rate
- 3×3 categories
- Point value
- 1.47¢ In travel · 1.47¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 60,000 points · spend $4,000 on purchases in the first 90 days from account opening | $880 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee Charged each year | −$99 | −$99 |
| NetYear one includes the bonus · at your inputs · our estimates* | $781 | −$99 |
The bonus needs $4,000 on purchases in the first 90 days from account opening.
Earning structure
9 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Airfare (Portal) | 3× | $4.40 | |
| Cruises (Portal) | 3× | $4.40 | |
| Hotels (Portal) | 3× | $4.40 | |
| Dining | 2× | $2.93 | |
| EV Charging | 2× | $2.93 | |
| Gas Stations | 2× | $2.93 | |
| Groceries | 2× | $2.93 | |
| Streaming Services | 2× | $2.93 | |
| All Other | 1× | $1.47 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $99
- Card type
- Personal
- Network
- Mastercard World Elite
- Bank
- Synchrony
- Point system
- Flying Club
- Travel value (our estimate)*
- 1.47¢ per point
- Cash value (our estimate)*
- 1.47¢ per point
- Foreign transaction fee
- None
- Transfer partners
- Yes
- Travel portal redemption
- No
- Cash to travel
- No
Benefits5 · 2 high value
- Anniversary Bonuses High valueAnniversary Virgin Points boost
- Credits & Discounts High valueBook two nights, get your third night free
- Earn Perks & Status Additional cardholder bonus + 2 more earn perks & status benefits
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 Virgin Atlantic Red Rewards |  Cathay Pacific World Elite |  Chase Sapphire Preferred |  Amazon Prime Store Card | |
|---|---|---|---|---|
| Annual fee | $99 | $99Same | $95−$4 | $0−$99 |
| Signup bonus | 60,000 pts | 38,000 pts | 75,000 pts | $10 |
| Top rate | 3×3 categories | 3×Airfare (Portal) | 5×7 categories | 5×Amazon, Specified Store(s) |
| Travel value * | 1.47¢Flying Club | 1.23¢Asia Miles | 1.85¢Ultimate Rewards | –Cash back |
| Why it’s here | This card | Same $99 annual fee | An annual fee within $100, with transferable points | An annual fee within $100 |
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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