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Vanquis : Credit builder credit card reviews

Name: Credit builder credit card
Rating: 4.73 (28664 reviews)

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4.73

Based on 28,664 reviews, last reviewed 25th Jun 2026

396750% increase in 5 star reviews

in the past 90 days

5700% increase in 1 star reviews

in the past 90 days

87%

Latest highest rating:

5

I found Vanquis very helpful as I was able to use my... I found Vanquis very helpful as I was able to use my Vanquis credit to pay off some of the balance on my Lloyds credit card at a lower rate of interes... Read more Reviewed on: 25th June 2026

Latest lowest rating:

1

Man this is worst credit card I haven received my ca... Man this is worst credit card I haven received my card my money is missing from my card there response was very very bad still I didn’t get my claim a... Read more Reviewed on: 25th May 2026

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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 (28664)

Easy to use.

Easy to use. Great customer service Reviewed on: 22nd April 2025

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 credit card

Excellent customer service and super helpful Reviewed on: 22nd April 2025

I am happy I am tension free about money bil food a...

I am happy I am tension free about money bil food any thing because I have Vanquis card i with this card Reviewed on: 22nd April 2025

Using my credit card has been a game-changer in mana...

Using my credit card has been a game-changer in managing my finances. It’s helped me stay organized with my spending, and the credit limit increment process was surprisingly smooth and easy. I’ve felt more confident in handling both planned expenses and unexpected ones. Overall, it’s been a reliable tool in building my financial stability. Reviewed on: 22nd April 2025

App is very easy to use and paying bill direct from...

App is very easy to use and paying bill direct from my bank account is fantastic. Reviewed on: 22nd April 2025

I have first time use cradit card and it’s most reli...

I have first time use cradit card and it’s most reliable card . Reviewed on: 22nd April 2025

Very good service and extremely good.

Very good service and extremely good. Very much useful for day to day transaction and helping to build the credit score Reviewed on: 22nd April 2025

I hv no problem whatsoever and they are always there...

I hv no problem whatsoever and they are always there if I need them Reviewed on: 22nd April 2025

Excellent credit card providers

I'm delighted with the vanquis credit card customers service They're very experienced & professional in dealing with any issues you have. In my opinion they stand out from the rest of credit card providers Reviewed on: 22nd April 2025

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