Low APR Balance Transfer Credit Card
This one has an introductory rate to help you save money on credit card debt
9.9% or 12.9% interest on balance transfers
made within 60 days of account opening.
Pay 9.9% or 12.9% for up to 36 months
on balance transfers, subject to eligibility
0% balance transfer fee.
£250 – £7,000
personalised credit limit.
Representative
35.9% 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 9.9% or 12.9% offer – see the summary box for more info.
To understand how we use your personal information, see our privacy notice.
The minimum amount you can transfer to your Vanquis card is £100. The maximum is 95% of your credit card limit. For example, if your limit is £1,000, you can move up to £950.
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.
Not got the new app yet? Download it here to get set up.
Or scan the QR code to get the app
Benefits of the Vanquis Low APR Balance Transfer Credit Card
The Vanquis Low APR Balance Transfer Credit Card is designed to help you save money on existing credit card debt. By moving your balance from a high interest card to one with a lower APR, you can reduce the amount you pay in interest during the introductory period.
With a Vanquis Low APR Balance Transfer Credit Card, you can…
- Pay 9.9% or 12.9% interest on balance transfers for up to 36 months with a 0% balance transfer fee.
- Transfer a balance of up to 95% of your credit limit. For example, if your limit is £1,000, you can transfer up to £950.
- Get a personalised credit limit ranging from £250 to £7,000.
Balance transfer credit cards can help you...
Reduce the cost of existing debt
Move your high-interest balance to a credit card offering a low APR. With less money lost to interest, more of your payment goes directly towards reducing your debt.
Consolidate multiple debts
A balance transfer card lets you combine balances from different credit cards into one. This simplifies your monthly payments and makes your debt easier to manage.
Support your credit score
Lower interest rates and simplified payments can make your debt more manageable. By keeping up with repayments and reducing your overall balance, a balance transfer card can help improve your credit score over time.
Our other credit cards
Credit Builder Credit Card
This one’s designed to build your credit score
Build your credit rating
by paying on time and staying within your limit.
£250 – £2,500
personalised credit limit.
Representative
42.9% APR
(variable)
Balance Transfer Credit Card
This one’s for paying off other balances
0% interest on balance transfers
made within 60 days of account opening.
Pay 0% for up to 19 months
on balance transfers, subject to eligibility.
Up to 3.9% balance transfer fee
Representative
33.9% APR
(variable)
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?
Frequently Asked Questions
Is a low APR balance transfer credit card right for me?
Whether a low APR balance transfer credit card is right for you depends on your financial goals and how you manage your existing debt. If you’re paying a high APR, transferring your balance to a card with a lower introductory balance transfer rate can reduce your interest costs. If you don’t miss a payment, it could help you clear your debt faster.
When the 9.9% or 12.9% offer period ends, interest will start building on any remaining balance at your standard variable interest rate. If it’s affordable, try to pay off your balance before that happens.
How do I apply for a credit card?
Applying for a Vanquis Credit Card is quick and straightforward. You can check your eligibility in just four simple steps, with no impact on your credit score.