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If you are not using your Virgin Atlantic credit card now, you may want to pay it off and close, especially if it has an annual fee. There are regular credit cards that will allow you to earn miles on all your purchases. Also, there are travel rewards credit cards with balance transfer offers. So you will be able to transfer the balance from your Virgin credit card to a new one and pay it off at 0% interest rate. Before you consider a balance transfer option, it should be noted that 0% APR is only given for a period of time and when this period ends, an ongoing APR applies. Also, most issuers charge a balance transfer fee which is usually around 3% of each balance transfer. Another thing to remember is that balance transfers do not usually earn rewards.