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Vanquis Credit card
Vanquis Credit Builder Credit Card
No rewards
VISA
Apply for Vanquis Credit Builder Credit Card

On Vanquis's secure site

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Credit card Vanquis Visa

Card review

Vanquis Credit Builder Credit Card

4.1 4.1 out of 5 8.2/10 DebitCue Score Verified

Build your credit rating by paying on time and staying within your limit.

Fee
No fee
Purchase APR
26.9% - 42.9%
Interest-free
56 days
Foreign fee
2.99%

Our verdict

What stands out, and where it falls short.

What we like

  • No card fee
  • 56-day interest-free period

Worth weighing

  • 2.99% foreign transaction fee
  • No rewards programme
  • High interest if you carry a balance

Who It Is For

Whether the Vanquis Credit Builder Credit Card fits how you actually spend.

Pick it if you are

  • Anyone who wants a low-cost everyday card

Skip it if you are

  • Frequent international travelers
  • Rewards-chasers

Rates and fees

As of

All amounts shown in GBP.

Card fee
No fee
Purchase APR
26.9% - 42.9%
Interest-free period
56 days
Foreign transaction fee
2.99%
Representative APR
42.9% variable
APR range
26.9% – 42.9% (variable, personalised)
Cash advance APR
62.9% (3% or £3 fee, whichever is greater)
Foreign transaction fee
2.99% on purchases and cash abroad

Rewards and features

Pay with
Apple Pay, Google Pay, Contactless, Virtual card
Credit limit
£250 – £2,500 (subject to affordability)
Late payment fee
£12
Interest-free days
Up to 56 days on purchases if full balance paid
Award
Moneyfacts Credit Builder Card Provider of the Year 2023–2025

Benefits and perks

Extras that come bundled with the card.

  • Credit builder
    Reports to credit bureaus; designed to improve credit score with responsible use

Eligibility

What you need before you apply.

Minimum age
18
Residency
Permanent UK resident with regular income

Vanquis Credit Builder Credit Card: your questions answered

Does the Vanquis Credit Builder Credit Card have a card fee?
No - the Vanquis Credit Builder Credit Card has no card fee.
Does the Vanquis Credit Builder Credit Card charge foreign transaction fees?
Yes - the Vanquis Credit Builder Credit Card charges a 2.99% foreign transaction fee.
Is there an interest-free period on the Vanquis Credit Builder Credit Card?
Yes - up to 56 days interest-free when you pay your balance in full by the due date.
What is the interest rate on the Vanquis Credit Builder Credit Card?
The Vanquis Credit Builder Credit Card has a purchase APR of 26.9% - 42.9%.
Is the Vanquis Credit Builder Credit Card a credit, debit or prepaid card?
The Vanquis Credit Builder Credit Card is a credit card issued by Vanquis on the Visa network.
Does the Vanquis Credit Builder Credit Card support Apple Pay and Google Pay?
Yes - the Vanquis Credit Builder Credit Card works with both Apple Pay and Google Pay.
Where can I get the Vanquis Credit Builder Credit Card?
The Vanquis Credit Builder Credit Card is currently offered in United Kingdom.
How does DebitCue rate the Vanquis Credit Builder Credit Card?
DebitCue rates the Vanquis Credit Builder Credit Card 4.1 out of 5 (8.2/10), scored on the same factors as every card - fees, rewards, perks and ease of use.
How do I apply for the Vanquis Credit Builder Credit Card?
Use the Apply now button to continue on Vanquis's secure site. Comparing and applying through DebitCue is free.

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