IHG Rewards Club Premium Credit Card (£99 pa): 20,000 points equals £60 to £160. Virgin Atlantic Credit Card (free): 5,000 points equals £15 to £40. Virgin Atlantic Premium Card (£160 pa): 15,000 points equals £45 to £120. American Express Gold Card (free for the first year): 12,000 points equals £36 to £96.