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Vanquis Bank Credit Cards

3 CARDS

Vanquis Bank specialises in credit cards for individuals looking to build or rebuild their credit scores. Vanquis credit cards are accessible to those with limited or poor credit histories, offering a chance to improve creditworthiness through responsible use. The bank emphasises flexibility, with manageable credit limits that can increase over time based on positive account behaviour.

Vanquis Bank

Credit Builder

4.1

OUR RATING

Representative APR

37.9% APR (variable)

Purchases

37.9% (variable) p.a.

Balance Transfers

37.9% (variable) p.a. (fees apply)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 37.9% (variable) p.a., most accepted customers get a rate of 37.9% APR (variable).

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4.1

OUR RATING

Quick Look

The Vanquis credit builder card is a straightforward option with no annual fees, designed for individuals looking to build or improve their credit score. When managed responsibly, it can support better credit habits over time.

Issuer	Vanquis Bank
Network	Visa
Primary Category	Credit Building
Loyalty Scheme
Incentive on opening	No annual fees
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	37.9% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	37.9% (variable) p.a. (fees apply)
Balance Transfer Fee (%)	2.90%
Cash Advances	37.9% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 250.00
Maximum Credit Limit	Subject To Status: £2,500

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Vanquis Bank

Balance Transfer

4.0

OUR RATING

Representative APR

40.9% APR (variable)

Purchases

40.9% (variable) p.a.

Balance Transfers

0% for up to 18 months, then 40.9% (variable) p.a. (2.9% fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 40.9% (variable) p.a., most accepted customers get a rate of 40.9% APR (variable).

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4.0

OUR RATING

Quick Look

The Vanquis balance transfer card is designed for individuals with poor or limited credit history. It offers up to 18 months of 0% interest on balance transfers, subject to eligibility and approval. This card may help with consolidating existing debt while working to rebuild credit.

Issuer	Vanquis Bank
Network	Visa
Primary Category	Credit Building
Loyalty Scheme	None
Incentive on opening	No annual fees, 0% for up to 18 months on balance transfers made within the first 180 days. A 2.9% transfer fee applies.
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	40.9% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	0% for up to 18 months, then 40.9% (variable) p.a. (2.9% fee)
Balance Transfer Fee (%)	2.90%
Cash Advances	44.95% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 250.00
Maximum Credit Limit	Subject To Status: £7,000

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Vanquis Bank

Balance Transfer + Purchase Credit Card

4.0

OUR RATING

Representative APR

37.5% APR (variable)

Purchases

0% for up to 12 months then 37.5% (variable) p.a.

Balance Transfers

0% for up to 12 months, then 37.5% (variable) p.a. (2.9% fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 37.5% (variable) p.a., most accepted customers get a rate of 37.5% APR (variable).

Read Full Review

4.0

OUR RATING

Quick Look

The Vanquis Balance and Purchase card offers up to 12 months of 0% interest on both balance transfers and purchases, subject to eligibility. After the promotional period ends, a higher APR applies, so it's important to repay the balance in full each month to avoid interest charges.

Issuer	Vanquis Bank
Network	Visa
Primary Category	Credit Building
Loyalty Scheme	None
Incentive on opening	Get 0% interest on balance transfers and purchases. 0 interest is available for up to 12 months, depending on your eligibility. Balance transfers must be made within 60 days of account opening to benefit from the 0 interest offer.
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	0% for up to 12 months then 37.5% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	0% for up to 12 months, then 37.5% (variable) p.a. (2.9% fee)
Balance Transfer Fee (%)	2.90%
Cash Advances	44.95% (variable) p.a.
Minimum Credit Limit	£ 250.00
Maximum Credit Limit	Subject To Status: £4,000

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

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