Vanquis Credit Cards

If you have a bad credit history, or have never had a credit card before, you will not get accepted for one of the leading 0% or cashback cards. However, there are occasions where it can be very handy to have a credit card – for example to access protection under the Consumer Credit Act. And you may be more likely to qualify for a credit card with Vanquis than a mainstream provider.

Compare Vanquis credit cards - Sorted by APR

  1. Great for
    Rebuilding credit ratings
    But be aware that
    You cannot apply if you currently hold a Vanquis, Granite or Black Diamond card
    Interest rates range from 29.8% - 59.9%

    Representative Example:

    If you spend £1,000 at an annual interest rate of 29.8% (variable) your representative APR will be 29.8% (variable).

    • Provider/Product name Credit Card

      granite

      Credit Card

    • Balance transfer - -
    • Purchases 34.95%
    • Rewards Rewards
    • Representative APR (variable) 34.9%APR
    • Your chance of approval

      Will you get this card?

      Start >>
    • Sorry, we have no link

      More details

    Great for
    Building your credit rating
    Free fraud monitoring
    Adding a cardholder free of charge
    But be aware that
    The APR is dependent on your personal circumstances
    You cannot apply if you are already holding a credit card issued by Vanquis Bank
    Telephone contact must be made

    Representative Example:

    If you spend £1,000 at a purchase interest rate of 34.95% (variable) your representative APR will be 34.9% (variable).

  2. Great for
    Building your credit rating
    Starting with a credit limit from £150 to £1000
    Online and SMS account management
    But be aware that
    You cannot apply if you currently hold an Aquis, Granite or Black Diamond card
    Interest rates range from 39.9% - 69.9%

    Representative Example:

    If you spend £500 at a purchase interest rate of 39.94% (variable) your representative APR will be 39.9% (variable).

Guide to Vanquis credit cards

Card issuers such as Vanquis provide a valuable role in providing access to credit to those who would otherwise struggle.

However, you need to be careful about how you use this type of credit card as the interest rates are high, making them a very expensive form of borrowing. You should therefore aim to clear your balance in full every month to avoid being charged interest.

Read more

Vanquis offers low credit limits of between £150 and £1,000, although customers can apply to have their credit limit increased every four months. The maximum limit offered by Vanquis is £3,000 but you will only be considered for a higher credit limit if you have proved that you can manage your account responsibly.

This is also important if you are to enhance your chances of qualifying for other forms of credit in the future. A card such as the Vanquis card, can actually help repair your credit profile and improve the likelihood of you qualifying for some of the more competitive credit cards.

The best way to benefit from a Vanquis credit card is to make sure you always pay on time – late payments don’t look good on your credit file. You should also keep within your credit limit, avoid taking on too much debt elsewhere and pay off your bill in full each month.

Your personalised chance of approval

We’ve taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it’s better to get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you’ve probably better off choosing a different card.

Consider a different card
Not eligible
1/10
2/10
3/10
4/10
5/10
Your chances are good
6/10
7/10
8/10
9/10
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren’t a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

We're free, independent and compare all UK credit cards as well as offering exclusive deals you can't get anywhere else.

Close

Cookie use

MoneySupermarket uses cookies, small text files which are downloaded to your computer's hard drive when you visit most websites.

Read more

Cookies are harmless files which can help improve the experience. Cookies allow websites to respond to you as an individual. The website can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

Read less | Cookie Policy

Close