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Vanquis : Credit builder credit card reviews

Name: Credit builder credit card
Rating: 4.78 (19912 reviews)

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4.78

Based on 19,912 reviews, last reviewed 20th Jan 2026

No new 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

85%

10%

Latest highest rating:

5

Very good banking experience, one of the best credit... Very good banking experience, one of the best credit cards I’ve ever used Reviewed on: 20th January 2026

Latest lowest rating:

1

Poor complaints handling and broken promises I had a frustrating experience with Vanquis that I need to share. Called the activation number on my new card sticker and it straight up didn’t work. ... Read more Reviewed on: 7th January 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 (19912)

Surprising fact

I did not even know that Vanquis was a credit building credit card. I thought that if one cleared the account in full every month all other form of credit would do that. Reviewed on: 2nd May 2024

Very friendly staff customers service is great and e...

Very friendly staff customers service is great and everything is clear easy to use app Reviewed on: 2nd May 2024

Very good service.

Very good service. In time when you need with all the support. Reviewed on: 2nd May 2024

I choosed Vanquis a few years ago, but I did not reg...

I choosed Vanquis a few years ago, but I did not regret. The app works fine Reviewed on: 2nd May 2024

Brilliant Credit Card

I've been using Vanquis credit card for 4 years, and overall, my experience has been positive. Here are the key points from my experience: **Pros:** - **Rewards Program:** The rewards program is very generous, offering cashback/points/miles on purchases. I’ve been able to redeem rewards for travel, statement credits, gift cards which has been a great benefit. - **Customer Service:** Whenever I've had questions or issues, the customer service team has been friendly and helpful. My problems have been resolved quickly. - **Interest Rates and Fees:** The interest rates are competitive compared to other cards, and I appreciate the transparency with fees. The annual fee is reasonable for the benefits I receive. - **Online Platform:** The online banking platform is easy to navigate and allows me to manage my account effectively. I also enjoy the mobile app, which makes it simple to keep track of my spending. **Cons:** - **Approval Process:** The approval process was straightforward, but I did experience a slight delay in receiving my card. It would have been nice to have it a bit sooner. - **Credit Limit:** Initially, my credit limit was lower than expected, but it has since increased over time as I’ve demonstrated good usage. In conclusion, I would recommend the Vanquis credit card to those looking for a [rewards/cashback/travel] card with excellent customer service and a user-friendly online platform. There’s always room for improvement, but my experience has been largely positive. Reviewed on: 2nd May 2024

Once I got the app back on my phone, there's no one...

Once I got the app back on my phone, there's no one better. Reviewed on: 2nd May 2024

Been with Vanquis for years.

Been with Vanquis for years. I have always paid on time. And not once have a been considered for a credit increase And when I email you directly, I get nothing back Reviewed on: 2nd May 2024

Easy to use App

I like the layout of the App very easy to read and user friendly. Reviewed on: 2nd May 2024

They leave you alone, don’t pester and the vanquis a...

They leave you alone, don’t pester and the vanquis app is perfect and easy to use. With vanquis cards the apr is good. The rate has not gone up. Reviewed on: 2nd May 2024

Had no problems..

Had no problems. Staff always helpfull. . Reviewed on: 2nd May 2024

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