Structural evil impacts persons' experiences differently, a reality that feminist philosophers Claudia Card and Lisa Tessman have termed "moral luck." As Christian ethicists grapple with privilege and oppression, we lack a satisfactory framework to describe how particular life circumstances impact moral lives. This essay develops a Christian virtue account of moral luck, drawing on Thomas Aquinas and womanist theologians including Melanie L. Harris and Rosita deAnn Mathews. Moral luck helps Christian ethicists attend to the impact of difference on the moral life as well as to the common experience of contingency harming virtue, requiring dependence on God's grace.