Vanquis Bank Credit Builder
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).
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.
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 | The Vanquis Credit Builder Card helps you build your credit while keeping control of your spending. There’s no annual fee, and your credit limit may increase over time with responsible use. As your credit improves, you could become eligible for cards with lower interest rates. |
| 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
Does not impact your credit score
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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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