Vanquis Credit Cards

Please see the table below for full details of Vanquis Bank's credit cards including up-to-date information on interest rates, card features and fees.

  • Aquis Visa Credit Card

  • Balance Transfers Offer
    -
  • New Purchases Offer
    No Introductory Rate
    No Intro Rate
  • Representative APR
    29.8% APR
    (Variable)
  • More Info + Details
  • Additional Information

      • There is a minimum credit limit of £250.00
      • Credit limit is subject to status
    • Min Credit
      £250
    • Max Credit
      £4,000
    • Provider
      Vanquis Bank

    Benefits

      • This card helps you build a good credit history to improve your credit rating. You could get Credit Limit increases every 5 months up to £4,000 (subject to terms and conditions).
      • UK call centre for customer services, SMS and online account management.
      • No annual or monthly fees.
      • 24/7 Fraud Watch.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.84% (variable), representative 29.8% APR (variable). Credit available subject to status.

  • Vanquis Visa Credit Card

  • Balance Transfers Offer
    -
  • New Purchases Offer
    No Introductory Rate
    No Intro Rate
  • Representative APR
    39.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

      • Credit limit is subject to status
    • Min Credit
      £150
    • Max Credit
      £4,000
    • Provider
      Vanquis Bank

    Benefits

      • This card helps you build a good credit history to improve your credit rating. You could get Credit Limit increases every 5 months up to £4,000 (subject to terms and conditions).
      • UK call centre for customer services, SMS and online account management.
      • No annual or monthly fees.
      • 24/7 Fraud Watch.

    Before you Continue...

    • You must be at least 18 years old to apply.
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 39.94% (variable), representative 39.9% APR (variable). Credit available subject to status.

Other credit cards

  • Halifax 43 Month Balance Transfer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 43 months
    (2.98% fee)
  • New Purchases Offer
    0% Fixed
    For 6 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £500
    • Provider
      Halifax

    Benefits

      • 0% interest for 43 months on balances transferred within the first 90 days after your account is opened. 2.98% fee applies on each balance transfer, an initial 3.5% fee applies with a refund of 0.52% within 90 days, so the effective fee is 2.98%. Also 6 months at 0% on purchases.
      • Manage your card online using Online Banking and Mobile Banking.
      • Fraud protection.
      • Faster payments to your card giving more flexibility and control.

    Before you Continue...

    • You must be at least 18 years old to apply.
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. An initial 3.5% fee applies with a refund of 0.52% within 90 days, so the effective fee is 2.98% (Terms and conditions apply).

  • Sainsbury's Bank 42 Month Balance Transfer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 42 months
    (2.3% fee)
  • New Purchases Offer
    0% Fixed
    For 3 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

      • 4% balance transfer fee refunded to 2.30% on transfers made in the first 3 months. (3% thereafter, £3 fee minimum at all times).
    • Provider
      Sainsbury's Bank

    Benefits

      • Interest rate and credit limit are subject to status.
      • 3,000 Bonus Nectar points when you transfer at least £1,000 in the first month from account opening. Offer extended to 28th February 2017.
      • 5,000 bonus Nectar points - spend at least £250 in a Sainsbury's stores in the first month from account opening. Ends 26th March 2017.
      • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
      • If your application is approved you are guaranteed to get the 0% interest period advertised.
      • No annual fee.

    Before you Continue...

    • You must be at least 18 years old to apply.
      • You must be a UK resident.
      • You must not be an existing Sainsbury's Bank Credit Card customer.
    • Min Age
      18
    • Visit Website
    • 3,000 Bonus Nectar points when you transfer at least £1,000 in the first month from account opening. Offer extended to 28th February 2017
    • 5,000 bonus Nectar points - spend at least £250 in a Sainsbury's stores in the first month from account opening. Ends 26th March 2017
    • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. 4% balance transfer fee refunded to 2.30% on transfers made in the first 3 months. (3% thereafter, £3 fee minimum at all times).

  • Lloyds Bank Platinum 42 Month Balance Transfer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 42 months
    (2.3% fee)
  • New Purchases Offer
    0% Fixed
    For 6 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £500
    • Provider
      Lloyds Bank

    Benefits

      • 0% interest for 42 months on balances transferred within the first 90 days after your account is opened. 2.30% fee applies on each balance transfer, an initial 3% fee applies with a refund of 0.70% within 90 days, so the effective fee is 2.30%. Also 6 months at 0% on purchases.
      • Manage your card online using Online Banking and Mobile Banking service.
      • Fraud protection.
      • Faster payments to your card giving more flexibility and control.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.94% (variable), representative 18.9% APR (variable). Credit available subject to status. An initial 3% fee applies with a refund of 0.70% within 90 days, so the effective fee is 2.30% (Terms and conditions apply).

  • Santander All in One Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 41 months
    (0% fee)
  • New Purchases Offer
    0% Fixed
    For 6 months
  • Representative APR
    21.7% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Annual fee
      £36
    • Min Credit
      £500
    • Provider
      Santander

    Benefits

      • 0% on balance transfers for 41 months from date of account opening (0% fee applies).
      • 0% on purchases for 6 months from date of account opening.
      • 0.5% cashback on all of your purchases with no limits or caps.
      • No foreign transaction fee on purchases or cash withdrawals in the local currency when you're abroad.
      • Retailer Offers - get five welcome cashback offers ranging from 5% to 25% at a range of well-known major retailers once you switch on Retailer Offers via Online or Mobile Banking.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
      • The annual fee is broken down into monthly payments of £3.
    • Min Income
      £7,500
    • Min Age
      18
    • Visit Website
    • 0.5% cashback on all of your purchases with no limits or caps
    • Retailer Offers - get five welcome cashback offers ranging from 5% to 25% at a range of well-known major retailers once you switch on Retailer Offers via Online or Mobile Banking
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 15.9% (variable), with a £36 annual fee, representative 21.7% APR (variable). Credit available subject to status.

  • Bank of Scotland Platinum 41 Month Balance Transfer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 41 months
    (1.9% fee)
  • New Purchases Offer
    0% Fixed
    For 6 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £500
    • Provider
      Bank of Scotland

    Benefits

      • 0% interest for 41 months on balances transferred within the first 90 days after your account is opened. 1.90% fee applies on each balance transfer, an initial 3% fee applies with a refund of 1.10% within 90 days, so the effective fee is 1.90%. Also 6 months at 0% on purchases.
      • Manage your card online using Online Banking and Mobile Banking service.
      • Fraud protection.
      • Faster payments to your card giving more flexibility and control.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. An initial 3% fee applies with a refund of 1.10% within 90 days, so the effective fee is 1.90% (Terms and conditions apply).

Helpful links for credit card issues

Money Advice Service - The government's Money Advice Service website provides concise, unbiased information on choosing and using credit cards as well as handy tools such as credit card calculators.

The UK Cards Association - The British trade association for card payment companies has an extensive range of guides on their website covering all the types of payment cards available to UK consumers including debt, credit and prepaid cards.

Financial Fraud Action (FFA) UK - The Financial Fraud Action website features important advice on using payment cards safely and securely as well as information on the latest scams.

Financial Ombudsman Service - If you've already made a complaint to your card provider and have not had your issue resolved satisfactorily then the next step is to take up your complaint with the Financial Ombudsman.

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The credit card data is supplied by Runpath Group Ltd, a registered company in England & Wales. Company Reg No: 07406032. Registered address: 2nd Floor, 112-116 Old Street, London EC1V 9BG.

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