Credit card

Vanquis Low APR Balance Transfer Credit Card

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Card review

Vanquis Low APR Balance Transfer Credit Card

4.1 8.2/10 DebitCue Score Verified Jun 20, 2026

Low-rate balance transfers for up to 36 months — with no balance transfer fee.

Fee: No fee
Purchase APR: 29.9% - 40.9%
Interest-free: 56 days
Foreign fee: 2.99%

Welcome offer

9.9% or 12.9% interest on balance transfers for up to 36 months (transfers within 60 days of account opening; 0% balance transfer fee on promotional offer)

Our verdict

What stands out, and where it falls short.

What we like

Welcome bonus
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 Low APR Balance Transfer 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 June 20, 2026

All amounts shown in GBP.

Card fee: No fee
Purchase APR: 29.9% - 40.9%
Interest-free period: 56 days
Foreign transaction fee: 2.99%
Representative APR: 35.9% variable
APR range: 29.9% – 40.9% (variable, personalised)
Balance transfer offer: 9.9% or 12.9% for up to 36 months (no transfer fee; transfers within 60 days)
Cash advance APR: 55.9% (3% or £3 fee, whichever is greater)
Foreign transaction fee: 2.99% on purchases and cash abroad

Rewards and features

Welcome offer: 9.9% or 12.9% interest on balance transfers for up to 36 months (transfers within 60 days of account opening; 0% balance transfer fee on promotional offer)
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
Credit limit: £250 – £7,000 (subject to affordability)
Balance transfer minimum: £100; maximum 95% of credit limit
Late payment fee: £12

Eligibility

What you need before you apply.

Minimum age: 18
Residency: Permanent UK resident with regular income

Vanquis Low APR Balance Transfer Credit Card: your questions answered

Does the Vanquis Low APR Balance Transfer Credit Card have a card fee?

No - the Vanquis Low APR Balance Transfer Credit Card has no card fee.

Does the Vanquis Low APR Balance Transfer Credit Card charge foreign transaction fees?

Yes - the Vanquis Low APR Balance Transfer Credit Card charges a 2.99% foreign transaction fee.

Is there an interest-free period on the Vanquis Low APR Balance Transfer 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 Low APR Balance Transfer Credit Card?

The Vanquis Low APR Balance Transfer Credit Card has a purchase APR of 29.9% - 40.9%.

Does the Vanquis Low APR Balance Transfer Credit Card have a welcome offer?

Yes - 9.9% or 12.9% interest on balance transfers for up to 36 months (transfers within 60 days of account opening; 0% balance transfer fee on promotional offer).

Is the Vanquis Low APR Balance Transfer Credit Card a credit, debit or prepaid card?

The Vanquis Low APR Balance Transfer Credit Card is a credit card issued by Vanquis on the Visa network.

Does the Vanquis Low APR Balance Transfer Credit Card support Apple Pay and Google Pay?

Yes - the Vanquis Low APR Balance Transfer Credit Card works with both Apple Pay and Google Pay.

Where can I get the Vanquis Low APR Balance Transfer Credit Card?

The Vanquis Low APR Balance Transfer Credit Card is currently offered in United Kingdom.

How does DebitCue rate the Vanquis Low APR Balance Transfer Credit Card?

DebitCue rates the Vanquis Low APR Balance Transfer 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 Low APR Balance Transfer Credit Card?

Use the Apply now button to continue on Vanquis's secure site. Comparing and applying through DebitCue is free.