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).

4.1

OUR RATING

Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.

Our Verdict

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

Product Features & Benefits

 

Issuer Vanquis Bank
Network Visa
Primary Category Credit Building
Loyalty Scheme
Incentive on opening No annual fees
Cashback/Rewards (if applicable) No cashback scheme
Account Fee £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

Fees & Charges

 

Account Fee £0
Late Payment £ 12
Returned Payment £ 12
Exceed Limit £ 10
Duplicate Statement £ 5
Replacement Card £ 0
Trace Fee £ 25
Cash Withdrawal Fee 3%
Cash Withdrawal Minimum Charge £ 3
Foreign Usage EU 2.99%
Foreign Usage World 2.99%

Application Requirements

 

Availability Available to new customers. Must not already have an Aquis, Chrome, Origin, Vanquis, thimbl or Granite credit card are not currently bankrupt or have an active Individual Voluntary Agreement (IVA)
Minimum Income £ 0
Minimum Age 18
Residency Permanent resident in the UK.

Find the right Credit Card for you

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Does not impact your credit score
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Find out which credit cards you’re eligible for
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34.4% Representative APR (variable)

Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.

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