Compare our credit cards
- Our range of cards can do different jobs for you
- Get help with everyday spending, clearing a balance, building your credit score – or a bit of everything
- Check if you’ll get accepted without affecting your credit score
0% interest on balance transfers
made within 60 days of account opening.
Pay 0% for up to 18 months
on your transfer, subject to eligibility.
2.9% balance transfer fee
£250 – £7,000
personalised credit limit.
Representative
36.9% APR
(variable)
Your APR, credit limit and promo offer may vary based on your circumstances. Balance transfers must be made within 60 days of account opening to benefit from the 0% offer.
The minimum amount you can transfer to your Vanquis card 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.
Build your credit rating
by paying on time and staying within your limit.
£250 – £2,500
personalised credit limit.
Credit Builder Card Provider of the Year
Moneyfacts Awards 2023, 2024 and 2025.
Representative
37.9% APR
(variable)
Your APR and credit limit may vary based on your circumstances.
0% interest on purchases
starting from your first purchase. Spend within your offer term to qualify. Purchases made after your offer term will be charged interest at your standard variable interest rate.
Pay 0% for up to 9 months
starting from your first purchase – subject to eligibility.
£250 – £4,000
personalised credit limit.
Representative
39.9% APR
(variable)
Your APR, credit limit and promo offer may vary based on your circumstances.
0% interest on balance transfers
made within 60 days of account opening.
0% interest on purchases
starting from your first purchase. Spend within your offer term to qualify. Purchases made after your offer term will be charged interest at your standard variable interest rate.
Interest-free for up to 12 months
on balance transfers and purchases, subject to eligibility.
2.9% balance transfer fee
£250 – £4,000
personalised credit limit.
Representative
41.9% APR
(variable)
Your APR, credit limit and promo offer may vary based on your circumstances. Balance transfers must be made within 60 days of account opening to benefit from the 0% offer.
The minimum amount you can transfer to your Vanquis card 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.
Over 5 million customers have already been accepted for a Vanquis Card
Am I eligible for a Vanquis Credit Card?
You can apply if you’re 18 years old or over, have a regular income and are a permanent UK resident.
You’re not eligible if you are currently bankrupt, have an active Individual Voluntary Arrangement (IVA), have a card or open application with us or we’ve declined you in the last 6 months.
To check your eligibility, you’ll need your address details for the last 3 years, your bank details, your annual income and your monthly outgoings.
What is a credit card?
With a credit card, you can buy things now and pay for them later. You can spend up to a certain amount – this 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 just 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?
As part of Vanquis Banking Group, we’ve been helping people manage their money for over 140 years. Over 5 million people have already been accepted for a Vanquis card.
We make sure our credit cards are easy to apply for and simple to manage. And above all, we’re honest and responsible when it comes to credit cards – we only offer them to people we think can afford the repayments. Read more about us.
How to choose the right credit card
Getting the right credit card can make a big difference to 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 smart move. If you have debt, a balance transfer card could help you save on interest.
Compare the fees, interest rates and benefits to find the card that ticks your boxes. This’ll help you manage your money better and get the most out of your credit card.
Take control
Understand your credit score, improve your financial habits or explore ways to manage your credit.
How could Vanquis help improve my credit score?
Improving your credit score depends on how well you manage your card. This means:
Staying within your 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 in our app and choose a payment date that suits you.
Paying off at least the minimum monthly amount – doing this helps avoid late payment fees. But paying more than the minimum amount – with a fixed monthly payment or even better, the full balance – can help you clear debt and boost your credit score faster.
An app that puts you in control
Check your balance, make payments and get up-to-date account info 24/7. All on the Vanquis app.
