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Vanquis : Credit builder credit card reviews

View other Vanquis products
4.78
Based on 19,907 reviews, last reviewed 18th Sep 2025
62% decrease in 5 star reviews
in the past 90 days
74% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
85%
See only 4 star reviews
10%
See only 3 star reviews
2%
See only 2 star reviews
1%
See only 1 star reviews
2%

Latest highest rating:

4

One of the best that I know in UK It is one of the best that I have known Reviewed on: 18th September 2025
Felix A's avatar
Felix A

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
Jodie H's avatar
Jodie H
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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.

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Vanquis Credit builder credit card reviews (19907)

The Lady on the Phone help me Really well

5
The Lady on the Phone help me Really well Reviewed on: 2nd May 2024
Robert A's avatar
Robert A

Good Card

4
It’s a good card if you want to build your credit just think the interest rates are high Reviewed on: 2nd May 2024
Sharon R's avatar
Sharon R

Appalling!

1
Appalling!! Take advantage of people with a debt history with some dubious practices and an increased interest rate. Several years ago forced to refund their ROP scheme and since then have removed ability to pay via online banking (you have to log in to pay). This can take several days to clear and gives them the window of opportunity to raise over the limit fees. I just transferred some money to my partner and it took 15 seconds! This is the 21st century. What are they not complying? Also the way they present their online statements is not clear. You have no idea what interest is being applied or when. I am at my credit limit but get a text to say I am over my limit and need to send £2. What is this for? Reviewed on: 2nd May 2024
Neil's avatar
Neil

Interest rate is slightly too high

4
Interest rate is slightly too high Reviewed on: 2nd May 2024
Marie's avatar
Marie

Generally good service never had a problem.

4
Generally good service never had a problem. Reviewed on: 2nd May 2024
Matt's avatar
Matt

Fantastic vanquis

5
I have been with vanquis for about 6 years now and they have always been so amazing, even through the times I've struggled they have always made sure they can accommodate my circumstances. Reviewed on: 2nd May 2024
Rachel G's avatar
Rachel G

Amazingly company

5
I have been a customer for a long time and I love the facilities they provide. Customer service friendly. Reviewed on: 2nd May 2024
Roseli Benedicto's avatar
Roseli Benedicto

Very good and fast service.

5
Very good and fast service.really help me during Covid 19 Reviewed on: 2nd May 2024
Jolanta V's avatar
Jolanta V

Overall really good choice for credit

5
I feel like Vanquis are very fair in when to increase credit limits, ensuring you are in a good financial situation before giving you an increase. Customer service is always there if there’s any concerns as well. APR can be a bit high but overall using this card has seriously helped my credit score Reviewed on: 2nd May 2024
Ellie M's avatar
Ellie M

Love Vanquis

5
Thanks to having a Vanquis credit card my credit rating had increased over the past couple of years Reviewed on: 2nd May 2024
Caroline Bee's avatar
Caroline Bee

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