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Vanquis : Credit card reviews

Name: Credit card
Rating: 4.33 (595 reviews)

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4.33

Based on 595 reviews, last reviewed 28th May 2026

3800% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

78%

10%

Latest highest rating:

5

Vanquis Credit Card - good financial management. I always use my Vanquis Credit Card for any purchases as the Vanquis site, available via the app on my phone, allows me to instantly view / confirm my... Read more Reviewed on: 28th May 2026

Latest lowest rating:

2

Good for improving your rating but poor service I always pay off my credit on time and reliably. At points, I have had to depend on my card to get through certain periods. The issue I have had with ... Read more Reviewed on: 16th April 2026

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About this product

Vanquis offer a balance transfer and purchase credit card.

Vanquis offer 0% for purchases and balance transfers for a set period of time. You will be charged a fee for any balance transfers. When the offer period on the card ends, any outstanding balance will be charged at a standard variable interest rate.

Vanquis 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 card reviews (595)

A good product but shoddy customer service

The product itself is not bad. The APR is quite high but I knew this getting into the agreement. However when I got into some financial difficulty, I had to play the most ridiculous game of cat and mouse trying to get hold of someone, only for them to never return my calls, or call back with no prior knowledge of what our discussion had entailed. Complaints are VERY slowly resolved although gestures of goodwill are often given to make up for the wait. Reviewed on: 28th March 2016

Low credit limit but overall great

My credit rating is poor so granted they started with a low credit limit and havent increased it within 12 months but all those green ticks can only help Reviewed on: 28th March 2016

Confusing website and regular sales calls

I found it really difficult to get the basic information from the website - how much I need to pay, by what date, and what the interest would be if I didn't. I've had to set up a direct debit to automate the payment as a couple of times I've paid off the balance when I received a statement, then used the card again a couple of weeks later thinking it'd appear on the next month's statement, but incurred interest. I don't know what the sales calls are about as I never pick up, but from other's online experience I know they're regular enough to be annoying. Reviewed on: 10th August 2015

A fabulous chance to rebuild your credit if you know what you're signing up for.

Vanquis may have extortionate interest rates and low credit limits but if you've struggled with credit in the past, it's a great opportunity to try borrowing again. The lower credit limit is manageable, the repayments fair (and standard for a credit card), and the interest rate is reasonable for the added risk. I'm glad Vanquis gave me a chance when no one else would touch me and now I am back on track to improving my credit rating. If you really want someone to give you a second chance, then the high interest rates are to be expected. But manage your account well and you may be able to sign up for lower rates elsewhere. So far, I can't find fault with Vanquis. And their online account servicing is a bonus too! Reviewed on: 9th April 2015

Good starting card

Took out a Vanquis card as I had no previous credit history and no other companies would accept. Application process - Accepted within a week via phone call, notified immediately of credit limit and when to expect card and paperwork etc... Using the card - Very easy online account management, easy to navigate through each different section online, can view your current purchases (usually 1-2 days to update) and previous statements. Excellent if you want to go paperless. Customer Service - Have had to call Vanquis a few times for various reasons, each time the queues are relatively short, waited no longer than 10 minutes on hold, the staff are friendly and helpful. Other - This is a good starter card, however as it is a credit building card for those with no or poor credit the APR can be high. Promotions - You may receive sales calls if you do not opt out, however they can be beneficial services so I would recommend only opting out of 3rd party ones and not ones direct through Vanquis. They offer payment protection plans and savings clubs etc... Overall - Good starting card and good for emergencies Reviewed on: 7th October 2014

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