Credit Builder Credit Card
Build your credit score
- by paying on time and staying within your limit, you could build your credit score
- get a personalised credit limit between £250 and £2,500
- pay and manage your account with ease using your Vanquis app
Representative
37.9% APR (variable)
Your APR and credit limit may vary based on your circumstances.
More about our Credit Builder Credit Card
Proud winners of MoneyFacts Best Credit Builder Card Provider 2023 and 2024
Balance Transfer Credit Card
You could save money when you move balances from one or more credit cards.
- Enjoy 0% interest for up to 18 months on balance transfers - subject to eligibility.
- The minimum amount you can transfer is £100, The maximum is 90% of your credit card limit. For example, if your limit is £1000, you can move up to £900.
- There's a 2.9% transfer fee. So, if you transfer £900, a £26.10 fee will be added to your balance.
- Get a personalised credit limit between £250 and £7,000.
Representative
40.9% APR (variable)
Your APR, credit limit and promotional offer may vary based on your circumstances. Balance transfers must be made within 60 days of account opening to benefit from the 0% offer.
Balance Transfer + Purchase Credit Card
Save money when you do a balance transfer from one or more credit cards.
- Enjoy 0% interest for up to 12 months on balance transfers - subject to eligibility.
- The minimum amount you can transfer is £100. The maximum is 90% of your credit card limit. For example, if your limit is £1,000, you can move up to £900.
- There’s a 2.9% transfer fee. So, if you transfer £900, a £26.10 fee will be added to your balance.
- Get a personalised credit limit between £250 and £4,000.
Paying high interest when you spend on other credit cards? Our Purchase offer could help save you money.
- Enjoy 0% interest on purchases for up to 12 months starting from your first purchase - subject to eligibility.
- You must spend within your offer term to qualify.
- Any new purchases made after your offer term will be charged interest at your standard variable interest rate.
Representative
41.9% APR (variable)
Your APR, credit limit and promotional offer may vary based on your circumstances. Balance transfers must be made within 60 days of account opening to benefit from the 0% offer.
Purchase Credit Card
- Enjoy 0% interest on purchases for up to 9 months starting from your first purchase - subject to eligibility.
- You must spend within your offer term to qualify.
- Any new purchases made after your offer term will be charged interest at your standard variable interest rate.
- Get a personalised credit limit between £250 and £4000.
Representative
39.9% APR (variable)
Your APR, credit limit and promotional offer may vary based on your circumstances.
You can apply if you
- are over 18
- live in the UK
- do not already have an Aquis, Chrome, Origin, Vanquis, Thimbl or Granite Credit Card
- are not currently bankrupt and do not have an active Individual Voluntary Agreement (IVA)
What you'll need
- address details for the last 3 years
- contact details
- employment details
- details of your monthly income
- an idea of how much you spend each month
- your bank account details
What is a credit card?
A credit card lets you borrow money to buy things now and pay for them later. You can spend up to a certain amount, which is known as your credit limit.
Whenever you spend on your card, you'll need to pay it back. You can pay everything you owe in full each month or pay part of it. But you must make sure you pay at least the minimum payment each month to avoid late payment fees. You'll be charged interest on outstanding balances.
Why choose a Vanquis Credit Card?
We're part of the Vanquis Banking Group and we've been helping people to manage their finances for more than 140 years. Over 5 million people have already been accepted for a Vanquis Card.
We work hard to make sure that our credit cards are easy to apply for and simple to manage.
Above all, we're honest and responsible when it comes to credit cards, and we only offer them to people who we think will be able to afford the repayments. Read more about our history.
How to choose the right credit card
Choosing the right credit card can make a big difference in your finances. Start by thinking about how you spend money and what your goals are. If you're looking to build or rebuild your credit, a credit builder card could be a good choice. If you have debt, a balance transfer card could help you save on interest.
Compare the fees, interest rates, and benefits of the different cards to find the one that fits your needs best. Making an informed choice can help you get the most out of your credit card and manage your money better.
Useful guides on credit
Whether you're looking to understand your credit score, improve your financial habits, or explore ways to manage your credit, our guides are here to help.
Credit card guides
A range of guides to help you learn more about credit cards, the application process, charges that may apply and understanding credit limits.
How could Vanquis help improve my credit score?
Improving your credit score depends on how well you manage your card. This means:
Staying within you credit limit - to help you control your spending and payments, our credit card offers come with a tailored credit limit. Our app also makes it easy to track your spending to help you stay within your limit.
Paying on time - you can easily set up a Direct Debit on our app and choose a payment date that suits you.
Paying off at least the minimum amount each month - this helps to avoid being charged a late payment fee. But, to help clear your debt and potentially improve your credit score sooner, you can pay more than the minimum amount as a fixed payment each month, or the full balance.
An app that puts you in control
Check your balance, make payments, and get up-to-date account info in real time. All on our award-winning app - Moneyfacts Consumer Awards 2023.
