Purchase Credit Card

This one’s designed to help you spread the cost of larger purchases

Representative 39.5% APR (variable)

Your APR, credit limit and promo offer may vary based on your circumstances – see the summary box for more info. To understand how we use your personal information, see our privacy notice.

That colour looks great on you

Vanquis Credit Cards come in a range of different colours

You’ll be able to choose your card colour once your application has been accepted.

What is a purchase credit card?

A purchase credit card helps you spread the cost of spending, often without interest for a set time, as long as you keep up with your payments here.

How purchase cards can support you

Pay for larger purchases over time – spread the cost of bigger purchases with 0% interest for a set time.
Stay on track with minimum payments – make at least the minimum payment each month to keep your account in good shape and to avoid fees.
Certain credit card purchases between £100 – £30,000 are covered by Section 75 of the Consumer Credit Act 1974. If something goes wrong, you may be able to get some or all your money back. Find out more here.

Benefits of the Vanquis Purchase Credit Card

A Vanquis Purchase Credit Card is designed to give you more flexibility and control when it comes to spending. Benefits include:

Spread the cost of bigger purchases

Whether it’s a new appliance, travel plans or everyday essentials, you can spread the cost over time rather than paying it all at once. This can make larger purchases more manageable and easier to budget for.

0% interest on purchases (for a set time)

Depending on your offer, you could get 0% interest on purchases for up to 9 months. To keep your promotional rate, you'll need to stay up to date with your repayments. If you miss two consecutive payments, you'll lose the offer.

Once your promotional period ends, any remaining balance will be charged at your standard variable interest rate. So, repaying as much as you can beforehand could help reduce the interest you pay.

Cashback on your everyday card spend

As part of Vanquis Rewards, you can earn cashback when you spend at participating retailers using your linked Vanquis Credit Card. It’s a great little bonus when you shop.

Learn more about Vanquis Cashback rewards.

Contactless payments

You can make secure payments with contactless, Google Pay, and Apple Pay. This works whether you’re shopping in-store or online.

Am I eligible for a Purchase Credit Card?

Check your eligibility with no impact on your credit score. Once you’re confident you’ll likely be accepted, you can apply in a few steps.

You can apply if you are 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 have been declined by us in the last 6 months.

We’ll need your:

Why choose Vanquis?

We're the bank that's got your back.

We lend to a much wider range of customers than the high street banks.

Our eligibility checks give you confidence you’ll only be accepted for a credit card if you can afford the repayments and the APR is right for you.

All our credit cards are easy to apply for and simple to manage through our app.

We've helped over 5 million people and we're ready to help you.

Check out our Trustpilot reviews to read what our customers say. Why not join them and apply online today?

FAQs

How does a purchase credit card work?

Using a purchase credit card can be summed up in three simple steps:

Spend on your card: Use your purchase credit card to pay for things you need. This could be everyday shopping or bigger items. You don’t need to pay for everything upfront, which can help you manage larger costs.
Aim to repay the full amount: If you can, it’s a good idea to pay off your balance in full before the 0% interest period ends. This means you won’t pay any interest on what you’ve spent and can keep your borrowing costs down.
Pay off any remaining balance: If you still have a balance after the interest free period, you’ll start to be charged interest.

Always make at least your minimum payment each month to avoid extra charges.

Can I get a purchase credit card if I have bad credit?

Yes, it’s still possible to get a purchase credit card if you have bad or limited credit history.

You may be offered a shorter 0% period

If your credit score isn’t strong, you might not get the longest 0% interest offer advertised. You may be offered a shorter introductory period based on your individual situation.

You may start with a lower credit limit

Lenders often begin with a lower credit limit if you have bad credit. This can help you manage your spending and help build a record of making repayments on time.

You can still build your credit over time

When used responsibly, a purchase credit card can help you improve your credit score. Making payments on time and staying within your limit shows lenders you can manage credit responsibly.

Check your eligibility first without affecting your score

Our eligibility checker uses a soft search, so you can see your chances of being approved without impacting your credit score.

Who’s this card for?

The Vanquis Purchase Credit Card gives you more flexibility with your finances during the 0% interest period. This feature could be useful if you’re looking to make a big purchase and want to split payments over a longer period.

The purchase offer is time limited, so it’s a good idea to check you can manage your finances effectively.

Will a purchase credit card improve my credit score? 

Using a purchase credit card can improve your credit score, the same as with any other credit card. If you repay your debts on time and keep to your credit limit, you can build up a positive credit history.

What’s the difference between a regular credit card and a purchase credit card? 

The Vanquis Purchase Credit Card works like a regular credit card but with an extra feature. With the purchase offer, you won’t be charged interest on purchases for a limited period (as long as you make the minimum monthly payments and stick to the other conditions).

What is an APR?

APR stands for ‘Annual Percentage Rate’. It refers to the total cost of your borrowing on a card for a year, shown as a percentage amount. This includes the interest you would be charged for that borrowing.

Our other credit cards

Credit Builder Credit Card

This one’s designed to help build your credit score

Representative 37.9% APR (variable)

See the summary box for more info on how your APR and credit limit may vary.

Balance Transfer Credit Card

This one’s for paying off other balances

Representative 35.9% APR (variable)

See the summary box for details of your APR, credit limit and balance transfer offer, which may vary.

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