*Subject to credit approval:

• BOARDING BONUS: Offer valid from 2/17-3/31/25. Limit one offer per account holder. Eligible net
purchases (purchases minus returns and adjustments) of $3,000 or more must be made within 90
days of account opening. To receive points, your Virgin Red Rewards card must be successfully linked
to your Virgin Red account and your credit card account must be open, in good standing and not
delinquent. If earned, points will post to your Virgin Red account within 1-2 billing cycles. See Credit
Rewards Terms for details: https://apply.syf.com/cs/groups/public/documents/et_statusdoc/e074600.html.

• ANNUAL FEE and NO FOREIGN TRANSACTION FEE: New Accounts as of 1/1/25: Variable Purchase
APR 20.49%, 24.49% or 28.49%. Variable Bal Trans APR 20.49%, 24.49% or 28.49% and 5% Fee ($5
min). Variable Cash APR 30.49% and 5% Fee ($10 min). Variable Penalty APR 30.49%, 34.49% or
38.49%. Min Interest Charge $2. Annual Fee $99.

• PERSONAL PERKS: Additional information and restrictions are available at
https://virginredrewardscard.syf.com/benefitsdetails. See Credit
Rewards Terms for details: https://apply.syf.com/cs/groups/public/documents/et_statusdoc/e074600.html.

• VIRGIN HOTELS BENEFIT: Additional information and restrictions are available at
https://virginredrewardscard.syf.com/benefitsdetails. See Credit
Rewards Terms for details: https://apply.syf.com/cs/groups/public/documents/et_statusdoc/e074600.html.

Virgin Points are earned and spent via Virgin Red Limited in accordance with the Virgin Red Programme Terms and Conditions: https://www.virgin.com/virgin-red/terms-and-conditions.

**Price correct as of 1 February 2025. Example price is for a one-way Saver reward seat from London to New York in Economy Classic. Taxes, fees and carrier-imposed surcharges apply, which will vary according to choice of cabin, departure airport, destination and date(s) of travel. The price of reward seats is variable and will be displayed at the time of booking.