Vanquis Credit Cards

Find the best Vanquis credit card for you

Vanquis Bank, which is part of Provident Financial Group, was formed in 2002 and specialises in offering credit cards to those with poor credit histories. It will match the rate you are offered with your individual credit score – which means it could be expensive.

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

Your personalised chance of approval

Chance of approval 10/10 GUARANTEED
Chance of approval {{::sliderProduct.productScoring.productLikelihood}}/10
Chance of approval Not rated
Chance of approval Not eligible
Being pre-approved means you’re an ideal customer for this lender and you’re guaranteed to get this card, provided you use the same details as you gave us, and you pass the lender’s ID checks.
We can’t give you a rating for this card either because we can’t match your details to your credit report, or we don’t have enough information about the lender’s acceptance criteria for this card.
You won’t get this card. This is usually because you don’t meet the lender’s acceptance criteria – for example, your income may not be high enough, you have credit problems, or you already have one of this lender’s cards.
This means there’s a good chance you’ll be accepted for this card. For every 100 applications from people in a similar financial situation to you, between 70 and 95 of them will get the card.
This score means it’s around fifty-fifty whether you’ll be accepted for the card or not. It’s worth a go if this is your highest score, and you need the credit for a specific purpose.
It’s unlikely you’ll get this card. For every 100 people in a similar financial situation to you who apply, only between 10 and 30 get accepted for the card. There’s still a chance, but rejection’s more likely than acceptance.

See the full approval scale

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 the first time. Your scores help you understand which cards you have the strongest chance of getting. The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

Chance of approval scale

10/10 = Pre-approved

Chance of approval 10/10 GUARANTEED
10/10 GUARANTEED

10/10 = Pre-approved

Being pre-approved means you’re an ideal customer for this lender and you’re guaranteed to get this card, provided you use the same details as you gave us, and you pass the lender’s ID checks.

9.5/10 - 7/10 = Good chance

Chance of approval 9.5/10
9.5/10
Chance of approval 9/10
9/10
Chance of approval 8/10
8/10
Chance of approval 7/10
7/10

9.5/10 - 7/10 = Good chance

This means there’s a good chance you’ll be accepted for this card. For every 100 applications from people in a similar financial situation to you, between 70 and 95 of them will get the card.

6/10 - 4/10 = Fair chance

Chance of approval 6/10
6/10
Chance of approval 5/10
5/10
Chance of approval 4/10
4/10

6/10 - 4/10 = Fair chance

This score means it’s around fifty-fifty whether you’ll be accepted for the card or not. It’s worth a go if this is your highest score, and you need the credit for a specific purpose.

3/10 - 1/10 = Low chance

Chance of approval 3/10
3/10
Chance of approval 2/10
2/10
Chance of approval 1/10
1/10

3/10 - 1/10 = Low chance

It’s unlikely you’ll get this card. For every 100 people in a similar financial situation to you who apply, only between 10 and 30 get accepted for the card. There’s still a chance, but rejection’s more likely than acceptance.

Not eligible = Consider a different card

Chance of approval Not eligible
Not eligible

Not eligible = Consider a different card

You won’t get this card. This is usually because you don’t meet the lender’s acceptance criteria – for example, your income may not be high enough, you have credit problems, or you already have one of this lender’s cards.

Not rated = We don’t have enough infoinformation

Chance of approval Not rated
Not rated

Not rated = We don’t have enough infoinformation

We can’t give you a rating for this card either because we can’t match your details to your credit report, or we don’t have enough information about the lender’s acceptance criteria for this card.

Vanquis Bank

Balance transfer

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{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

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Balance transfer

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Purchases

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Rewards

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Vanquis Bank

Balance transfer

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{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

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Rewards

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Balance transfer

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Purchases

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Rewards

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Aquis

Balance transfer

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{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

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Rewards

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Balance transfer

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Purchases

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Rewards

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Vanquis Bank

Balance transfer

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{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

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Rewards

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Balance transfer

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Purchases

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Rewards

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Vanquis Bank

Balance transfer

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EXPLORE MORE CREDIT CARDS

Guide to Vanquis credit cards

Vanquis credit cards are designed for people who are looking to build or improve their credit rating.

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.

Vanquis offers low credit limits of between £150 and £1,000, although customers can apply to have their credit limit increased every five months. The maximum limit offered by Vanquis is £4,000 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 want to improve your chances of qualifying for other forms of credit in the future. Cards 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.

Vanquis credit cards are fully regulated by the city regulator the Financial Conduct Authority (FCA)

Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong. 

This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund.

We're free and independent, as well as offering exclusive deals you can't get anywhere else.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.