Vanquis Credit Cards


Our award-winning Credit Builder Credit Card could help you to build and maintain your credit score over time, if you manage your card responsibly.


Representative 34.5% APR (variable)



Check your eligibility



Moneyfacts icon - Proud winners of Moneyfacts Best Credit Builder Card Provider 2023 and 2024

Proud winners of MoneyFacts Best Credit Builder Card Provider 2023 and 2024



Credit Builder Credit Card

Over 5 million customers have already been accepted for a Vanquis Card. With our award-winning Credit Builder Credit Card you can:

  • check your eligibility with no risk to your credit score
  • get a decision in around 60 seconds
  • receive a personalised credit limit between £500 and £1,200, subject to affordability
  • easily manage your account with the Vanquis app, 24/7
  • add your Vanquis Card to your phone's wallet with Apple Pay or Google Pay

Representative 34.5% APR (variable)

Your APR and credit limit may vary based on your circumstances.



Check your eligibility


More about our Credit Builder Credit Card


A lady paying with her credit card



Before you apply


You can apply for a Vanquis Credit Card if you:

  • are over 18
  • live in the UK
  • don't already have an Aquis, Chrome, Origin, Vanquis, thimbl or Granite Credit Card
  • are not currently bankrupt or have an active Individual Voluntary Arrangement (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.


A man paying a food vendor



How does a Credit Builder Credit Card work?

Credit Builder Cards are designed to help people improve their credit score, or build it up from scratch.


They usually come with a lower credit limit and a higher interest rate, which means you'll pay more interest in outstanding balances. If used responsibly - for example paying at least the minimum amount on time each month and staying within your credit limit - these cards could help improve your credit score over time.


3 smiling women hugging




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.



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 builder 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 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.


Discover our app



Vanquis App account screen on an iPhone