Virgin Atlantic World

Elite Mastercard®

• Enjoy special cardholder offers including exclusive access, entertainment, exciting events and discounts
• Concierge - VIP access to dining, hotel and sought-after tickets from personal Concierge services
• Identity Theft Recovery - Access to trained fraud resolution specialists and assistance with reporting fraud to bureaus
• Purchase Assurance - Most items purchased with your credit card are eligible for protection up to $1,000 if damaged or stolen within 90 days from the date of purchase
• Extended Warranty - Doubles the original manufacturer’s warranty (of one year or less) for up to one additional year on most items purchased with your card
• Travel Assistance - When you're far from home, you will be provided with medical, legal, personal and travel-oriented assistance 24 hours a day
• Emergency Roadside Assistance - 24-hour toll-free access to a network of providers who specialize in emergency roadside automotive needs
• Common Carrier Travel Accident Insurance - You're automatically protected up to $500,000 when you charge your entire fare to your credit card

*Terms and conditions apply to rewards program features. See disclosures accompanying the credit card application for details.

**As the primary cardholder, you are responsible for all account activity incurred by additional cardholders.

*** If you spend at least $25,000 in Net Purchases using your card within a year (beginning on the date you open your account and continuing for every 12 month period thereafter), the primary cardholder will also qualify for your choice of: A) One cabin upgrade for the primary cardholder when flying on a Rewards Flight fare from Economy Classic to Premium. Not valid from Premium to Upper Class; or B) One matching Companion Fare in the same cabin class if a cardholder redeems miles for a primary ticket. The cabin into which the cardholder can redeem miles for the primary ticket is restricted based on the cardholder’s Flying Club tier at the time of booking: Red Tier members may redeem miles for a primary ticket in Economy Classic and receive one matching Economy Classic Companion Fare; Silver Tier members may redeem miles for a primary ticket in Economy Classic and receive one matching Economy Classic Companion Fare or redeem miles for a primary ticket in Premium and receive one matching Premium Companion Fare; Gold Tier members may redeem miles for a primary ticket in Economy Classic and receive one matching Economy Classic Companion Fare, or redeem miles for a primary ticket in Premium and receive one matching Premium Companion Fare, or redeem miles for a primary ticket in Upper Class and receive one matching Upper Class Companion Fare. Cardholder shall be responsible only for paying applicable taxes, fees, charges, and carrier-imposed surcharges for the Companion Fare. The Companion Fare shall have no date restrictions but may be dependent on Reward Flight booking class. These will vary according to the qualifying destination, and are subject to change as a result of fluctuations in taxes, airport levies and exchange rates. Both travellers must be on the same flights and travel itinerary. Flights and routes are subject to availability. To qualify for the companion reward, the initial ticket must be a Virgin Atlantic ticket purchased by redeeming directly through Virgin Atlantic Airways. Notification of the Enhanced Anniversary Award Benefit will be on your Flying Club statement four to six weeks after reaching the $25,000 spend threshold. The Enhanced Anniversary Award Benefit must be redeemed within two years of issue. Please note that the annual fee is not billed as a purchase and will not be considered in any of the purchase amount thresholds described in this disclosure. The value of this reward may constitute taxable income to you. You may be issued an Internal Revenue Service Form 1099 (or other appropriate form) that reflects the value of such reward. Please consult your tax advisor, as neither we, nor our affiliates, provide tax advice.

For information about the rates, fees, other costs, and benefits associated with the use of this card or to apply, click on the link above.

****Certain conditions, restrictions and exclusions apply to program benefits. See Guide to Benefits, which will be included in new account materials, for complete details.

This credit card program is issued and administered by Bank of America, N.A. Mastercard and World Elite Mastercard are registered trademarks of Mastercard International Incorporated, and are used by the issuer pursuant to license. Virgin Atlantic Airways is a registered trademark of Virgin Atlantic Airways Limited and is used by the issuer pursuant to license.