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Vanquis Visa credit card
Everything you need to know about this credit card, including how to apply, our review and the small print.
Available to those who are:
- Aged 18 or over
- UK resident
- Are not currently declared bankrupt
Please ensure you meet the above criteria before applying, or it could adversely affect your credit rating.
| Representative Example: 39.94% p.a. variable on purchases. This is equivalent to 39.9% APR representative variable based on a credit limit of £1,000. Vanquis Bank Limited, No. 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU |
What's on offer?
Main summary of this credit card's rates, rewards and services.
 Purchases: |
 Balance transfers: |
 Rewards: |
 Cardholder services: |
|---|---|---|---|
| 39.94% p.a. variable | Not offered | Not offered | Online Account Management Active Fraud Monitoring |
Further details and the small print
A closer look at the rates, rewards, services and our review of this credit card.
What we think
Our review and how this deal compares
Please read this first:
This review is based on general information about how the product compares in the market, it shouldn't be taken as a recommendation or advice.
Please see below for more important information relating to the content of this page.
Application criteria
| Detail | |
|---|---|
| Only apply if you are: | - Aged 18 or over - UK resident - Are not currently declared bankrupt |
Interest rates
| Detail | Additional | |
|---|---|---|
| Representative APR (variable) | 39.9% APR | Rates from 39.9% APR variable to 59.9% APR variable depending on individual circumstances. Based on a £1,000 credit limit. |
| Introductory Purchases | - | Not offered |
| Introductory Balance Transfers | - | Not offered |
| Standard Purchases | 39.94% p.a. variable | Rates depending upon individual circumstances. |
| Standard Balance Transfers | - | Not offered |
| Standard Cash Advances | 49.94% p.a. variable | Rates depending upon individual circumstances. |
Fees and charges
| Detail | Additional | |
|---|---|---|
| Balance Transfer fee | None | - |
| Cash Advance fee | 3% (£3 min) | - |
| Foreign fee | 2.99% | This fee is charged for transactions made in non-sterling currency. |
| Annual fee | None | - |
| Default charges | £12 | There is also a £25 tracing charge if Vanquis have to trace you. This charge is made for late payments, returned payments and exceeding the credit limit. |
Repayment details
| Detail | Additional | |
|---|---|---|
| Credit limit | £150 min, £1000 max | Credit limit is subject to status. Credit limit increases available on your 4th statement, and every 4 months thereafter up to £3,000 (subject to status and paying on time, not exceeding the credit limit, not taking on too much debt elsewhere). This is not guaranteed though. |
| Interest free period | Up to 56 days | Up to 56 days interest-free on purchase transactions only, where you have paid off two or more consecutive current statement balances in full and on time. |
| Minimum monthly payment | 5% (£5 min) | Minimum Repayment will be shown on your statement and will be the highest of: - depending on the APR, one of 3.5%, 4.5% or 5% of the balance owing on the account as at the statement data and any amount by which the account balance exceeds the credit card, or - any interest, minimum finance charge, default charges and any account maintenance fees added to the account since the last statement plus 1.5% of the remaining balance, or - £5. The minimum repayment amount may be varied. |
| Allocation of payments | Highest rate first | Where the repayment is not sufficient to pay off the whole of the balance outstanding on the account, the repayment will be applied first to reduce that part of the balance bearing the highest interest rate and then on in descending interest rate order. |
Cardholder services
| Offered | Additional | |
|---|---|---|
| Online account management |  |
The account can be managed online. |
| Fraud Guarantee |  |
- |
| Fraud Monitoring | |
Vanquis will monitor your account for any suspicious activity and get in touch with you if they need to check anything with you. |
| Identity Protection | |
- |
| Credit Report Access | |
- |
| 3D Secure | |
- |
| OneTouch Payments | |
- |
| Purchase Protection Insurance | |
- |
| Purchase Delivery Insurance | |
- |
| Comprehensive Travel Insurance | |
- |
| Travel Accident Insurance | |
- |
| Travel Inconvenience Insurance | |
- |
| Assistance Abroad | |
- |
| Emergency Card Replacement | |
- |
Please read the following notice:
The review on this page is intended to provide general information only and does not attempt to give advice that relates to your specific circumstances. If you are unsure as to the suitability of any financial product, you should discuss this with an independent financial advisor.
While we make every effort to ensure and maintain current and accurate information on this site and the review on this page will be periodically updated inline with product changes, it could contain rates, deals or facts which have now changed and therefore should not be solely relied upon.
You should check the full details of any product with the relevant provider before applying, and you are advised to conduct your own research as well.
We aim to provide free reviews and comparisons of consumer products. To keep the site free, we are paid by some providers when new customers take products after they've clicked on our links. We don't allow our editorial content to be affected by those links, however we may not include all of the products available in the market.
Please read our full disclaimer for other important information that relates to the information and service we provide and your use of this site.
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