Compare Vanquis Credit Cards

Updated: 29th July 2021

You may not have a completely clean credit history, and if that’s the case, Vanquis Bank is the type of provider that can help you out. The bank specialises in providing cards to those who either have no credit history or have had debt problems in the past. Here you will find Vanquis credit cards that give you the opportunity to build up your credit score, and provide you with a springboard to access more attractive offers in the future.

We’ve taken a look at the cards in the Vanquis credit card portfolio, examining the interest rates, credit limits and account management options and have come up with our favourites.

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Here are MyWalletHero’s top picks for Vanquis credit cards

Credit card offers from our affiliate partners appear first and are ordered from highest rating to lowest, followed by other top-rated offers. You can read more about our ratings and page sort here. Offers from affiliate partners are marked with a *.

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Great for: Credit repair with a lower starting APR
3 stars question mark

Vanquis Bank’s Chrome Credit Card offers a comparably low representative APR of just 29.5% to those with a limited credit history or past problems. That can be a welcome sight, as APRs for most other credit cards for bad credit start at 35%. Credit limits start at a manageable level of up to £1,000, but can be built up to £4,000 over time.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • Low APR compared to most other credit-building cards
  • Starting credit limit of £250 to £1,000
  • Possibility to build credit limit to £4,000
  • Managing your card well could lead to credit-rating improvements
  • Easy account management via online portal and mobile app

REPRESENTATIVE EXAMPLE

Representative rate 29.5% APR (variable)

Rates from 29.5% APR (variable) to 59.9% APR (variable) depending on individual circumstances.

what we like

  • Credit limit could increase to £4,000 over time
  • Comparably low starting APR
  • No annual fee
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    29.5%
  • INTRO OFFER:

    Starting credit limit of up to £1,000

KEY SCORES:

  • 2.5/5 Perks
  • 3/5Fees
  • 4/5APR

HIGHLIGHTS

  • Low APR compared to most other credit-building cards
  • Starting credit limit of £250 to £1,000
  • Possibility to build credit limit to £4,000
  • Managing your card well could lead to credit-rating improvements
  • Easy account management via online portal and mobile app

REPRESENTATIVE EXAMPLE

Representative rate 29.5% APR (variable)

Rates from 29.5% APR (variable) to 59.9% APR (variable) depending on individual circumstances.

Great for: Rebuilding credit
2.5 stars question mark

The Vanquis Classic Credit Card is a higher APR card without some of the features of other cards here. However, for those who qualify, this card can still be a great way to rebuild your credit score and use as a stepping stone to better cards in the future.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • No annual fee
  • Manageable starting credit limit between £150 and £1,000
  • You could get a credit limit increase after your fifth statement, up to £4,000 if you manage your account well
  • Online and SMS account management

REPRESENTATIVE EXAMPLE

Representative 39.9% APR (variable)
Based on borrowing £1,000
Annual rate of interest 39.9% APR (variable)

Rates from 39.9% APR (variable) to 69.9% APR (variable) depending on individual circumstances.

what we like

  • No annual fee
  • You could get a credit limit increase after your fifth statement
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    39.9%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 1.5/5 Perks
  • 5/5Fees
  • 1/5APR

HIGHLIGHTS

  • No annual fee
  • Manageable starting credit limit between £150 and £1,000
  • You could get a credit limit increase after your fifth statement, up to £4,000 if you manage your account well
  • Online and SMS account management

REPRESENTATIVE EXAMPLE

Representative 39.9% APR (variable)
Based on borrowing £1,000
Annual rate of interest 39.9% APR (variable)

Rates from 39.9% APR (variable) to 69.9% APR (variable) depending on individual circumstances.


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