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Vanquis : Credit builder credit card reviews

Name: Credit builder credit card
Rating: 4.76 (19902 reviews)

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4.78

Based on 19,902 reviews, last reviewed 19th Aug 2025

62% decrease in 5 star reviews

in the past 90 days

74% decrease in 1 star reviews

in the past 90 days

85%

10%

Latest highest rating:

5

Excellent I have had no issues with vanquis. The wait times are always low and always get greeted by a friendly advisor who is happy to help. My card was subjec... Read more Reviewed on: 19th August 2025

Latest lowest rating:

1

Vanquis is the worst credit provider I have used. Vanquis is the worst credit provider I have used. Ridiculous terms and interest rates, don't want to help when you're trying to find a solution to hel... Read more Reviewed on: 8th August 2025

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About this product

The Vanquis Credit Builder credit card is available to apply for online.

Build your credit rating by paying on time and staying within your limit. With a Vanquis Credit Card, you don’t pay any annual sign-up fees. You pay transaction fees for withdrawing cash, balance transfers and using your card in a foreign currency.

Vanquis Credit Builder credit card reviews help you find out what it’s really like to be a customer. If you’ve used Vanquis before, you can also leave a review and share your experience.

Vanquis Credit builder credit card reviews (19902)

Review of the Vanquis, Credit builder credit card:

Vanquis - Helpful Step Forward with Building Credit

I've been using the Vanquis Credit Building Credit Card for about two months now, and I can already say it’s been a solid experience — especially for someone looking to build or improve their credit score. While no credit card is perfect, this one has ticked a lot of the right boxes for me, and it’s been reassuringly easy to get to grips with. Features That Matter When I first got the card, I was approved with a starting credit limit of £1,200 — which felt generous for a credit-building card. Since then, I’ve been using it regularly for day-to-day expenses and then paying off a fair chunk (£300 or so a month). I’ve had a couple of pricier months, but so far, everything’s stayed manageable. One of the biggest positives? My credit score has already gone up. It’s a great feeling to see actual progress in just a short space of time. Vanquis reports to the major credit reference agencies, so keeping on top of payments really does make a difference. Smooth Setup & Great Support There was a minor hiccup early on when I didn’t receive my PIN in the post, but honestly, the customer service was spot-on. I gave them a call, and the rep I spoke with was friendly, clear, and sorted everything quickly. It left a really good first impression and took away any stress I had around activating the card. The App is a Standout The Vanquis mobile app is one of the best bits of the whole experience. I check it almost daily — not because I have to, but because it’s genuinely well-designed. It’s easy to see what’s been spent, how much I owe, when the payment is due, and how much interest I might be charged (if I didn’t pay in full). Everything’s clear and upfront, and it makes keeping on top of things much easier. Transparent and Fair I haven’t come across any unexpected fees or charges, and the terms were clearly laid out from the start. The interest rate is higher than average, which is expected with a credit builder card, but if you’re making regular payments and avoiding carrying a big balance, it’s manageable. So far, I’ve avoided any interest altogether by paying most of it off each month. Things to Keep in Mind One of the only real “drawbacks” is more personal — I sometimes feel like I could be managing the card even better. It’s easy to spend more than planned when you’ve got available credit, so a bit of discipline goes a long way. This isn’t a card to treat like free money — but used responsibly, it’s a genuinely useful tool. Final Thoughts If you’re looking to build or repair your credit score, I think the Vanquis Credit Building Credit Card is a great place to start. It’s easy to use, the support team are helpful, and the app makes staying on track really straightforward. In just two months, I’ve already seen progress on my credit file, which speaks volumes. Would I recommend it? Absolutely — just make sure to use it sensibly and you’ll get a lot out of it. Reviewed on: 22nd April 2025

Excellent

I have had no issues with vanquis. The wait times are always low and always get greeted by a friendly advisor who is happy to help. My card was subject to fraud recently and the customer service was very prossional. The advisor showed empathy and my issue was resolved wothin the week. I have never had any issues with vanquis and would always recommend Reviewed on: 19th August 2025

Is lovely the help me to build my credit score many...

Is lovely the help me to build my credit score many thanks to them Reviewed on: 19th August 2025

Very easy to deal with, I had an increase in my limi...

Very easy to deal with, I had an increase in my limit without asking. It was a nice surprise Reviewed on: 18th August 2025

Very good.

Very good .thanks..excellent service Reviewed on: 18th August 2025

It’s a extremely easy process to applie

It’s a extremely easy process to applie Reviewed on: 17th August 2025

My experience is very good and would recommend every...

My experience is very good and would recommend everyone to try it out for them self Reviewed on: 15th August 2025

One of my favourite go to cards

I have had my vanquis credit card for awhile now, and i have been extremely happy with the rates and the credit limit, the app is fantastic especially being able to transfer funds to your account which other credit cards do not offer, there are times ive had to do this and its been a lifesaver. I have recommended vanquis to 2 friends who are also very happy with the card and the app and the overall service. Reviewed on: 15th August 2025

the interest to high should be lower for existing cu...

the interest to high should be lower for existing customers Reviewed on: 14th August 2025

Very accurate and easy to understand.

Very accurate and easy to understand. Reviewed on: 13th August 2025

I have had no concerns woth vanquis

I have had no concerns woth vanquis Reviewed on: 11th August 2025

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