Vanquis Credit Cards

Vanquis Bank offers credit cards predominately for those who wish to build or rebuild their credit rating. They offer a range of services which enable the cardholder to manage their finances responsibly and reward those customers who pay on time and remain within their credit limit. Choose the card that suits you from the list below.

 APPLY ONLINE

Credit Needed
Bad
  • You'll start with an easy to manage credit limit up to £1,000, but you could get a credit limit increase after your 5th statement up to £4,000
  • Good for applicants who want to build or rebuild their credit rating*
  • Use your Aquis Credit Card to withdraw cash and shop everywhere you see the Visa sign worldwide
  • Friendly UK Customer Service call centre
  • Online & SMS Account Management
  • You must be a UK resident, aged 18 years or over
  • Must have annual income of at least £4,000
  • Not available to applicants who already hold a credit card provided by Vanquis Bank (Vanquis, Aquis, NEO, Black Diamond)
  • Purchases
    Intro
    n/a
    Minimum
    Credit Limit
    £250
    Maximum
    Credit Limit
    £1,000
    Cash Advance
    Rate
    39.94%
    APR
    Representative APR (variable)
    29.8%
    APR

Representative Example: 29.8% APR representative (variable). Based on a credit limit of £1,000 and a purchase rate of 29.84% p.a. (variable)

 APPLY ONLINE

Credit Needed
Bad
  • You'll start with an easy to manage credit limit up to £1,000, but you could get a credit limit increase after your 5th statement up to £4,000
  • Free fraud monitoring
  • Good for applicants who want to build or rebuild their credit rating
  • Must be a UK resident, aged 18 or over
  • Must have annual income of at least £4,000
  • Not available to applicants who already hold a Vanquis Bank issued credit card (Vanquis, Aquis, NEO, Black Diamond)
  • Purchases
    Intro
    n/a
    Minimum
    Credit Limit
    £150
    Maximum
    Credit Limit
    £1,000
    Cash Advance
    Rate
    49.94%
    APR
    Representative APR (variable)
    39.9%
    APR

Representative Example: 39.9% APR representative (variable). Based on a credit limit of £1,000 and a purchase rate of 39.94% p.a. (variable)

 APPLY ONLINE

Credit Needed
Bad
  • Designed to help you improve your credit rating
  • Start with a manageable credit limit of £250 up to £1,000
  • You could build your Credit Limit up to £4,000 over time
  • Online servicing, a mobile app, SMS and email alerts
  • Must be a UK resident, aged 18 or over and not bankrupt
  • Not eligible to apply if you already hold or have applied for in the last 6 months any other credit card provided by Vanquis Bank
  • Purchases
    Intro
    n/a
    Minimum
    Credit Limit
    £250
    Maximum
    Credit Limit
    £1,000
    Cash Advance
    Rate
    39.94%
    APR
    Representative APR (variable)
    29.3%
    APR

Representative Example: 29.3% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 29.30% p.a. (variable)

 APPLY ONLINE

Credit Needed
Bad
  • The new low APR Credit Card - designed to help you improve your credit rating
  • Start with a manageable credit limit of £250 up to £1,000
  • You could build your Credit Limit up to £4,000 over time
  • Online servicing, a mobile app, SMS and email alerts
  • Must be a UK resident, aged 18 or over and not bankrupt
  • Not eligible to apply if you already hold or have applied for in the last 6 months any other credit card provided by Vanquis Bank
  • Purchases
    Intro
    n/a
    Minimum
    Credit Limit
    £250
    Maximum
    Credit Limit
    £1,000
    Cash Advance
    Rate
    39.94%
    APR
    Representative APR (variable)
    24.7%
    APR

Representative Example: 24.7% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 24.70% p.a. (variable)

 APPLY ONLINE

Credit Needed
Bad
  • Start with an easy to manage credit limit of between £150 and £1,000 and you could get a credit limit increase every 5 months up to £3,500
  • Pay bills straight from your NEO Credit Card
  • Good for applicants who want to build or rebuild their credit rating
  • Never miss another payment with SMS alerts and reminders
  • Take a payment holiday for 1 month per year, after 6 month responsibile account use
  • You must be a UK resident, aged 18 years or over, and must not be bankrupt
  • You must have an annual income of at least £4,000
  • Not available to applicants who already hold a credit card provided by Vanquis Bank (Vanquis, Aquis, NEO, Black Diamond)
  • Purchases
    Intro
    n/a
    Minimum
    Credit Limit
    £150
    Maximum
    Credit Limit
    £1,000
    Cash Advance
    Rate
    49.94%
    APR
    Representative APR (variable)
    39.9%
    APR

Representative Example: 39.9% APR representative (variable). Based on a credit limit of £500 and a purchase rate of 39.94% p.a. (variable)

 APPLY ONLINE

Credit Needed
Bad
  • The Black Diamond Visa card is issued by Vanquis Bank
  • Initial credit limit from £150 to £1,000*^
  • Not available to applicants who already hold a credit card provided by Vanquis Bank (Vanquis, Aquis, NEO, Black Diamond)
  • Must be over 18 and a permanent UK resident
  • Must have an annual income of at least £4,000
  • Purchases
    Intro
    n/a
    Minimum
    Credit Limit
    £150
    Maximum
    Credit Limit
    £1,000
    Cash Advance
    Rate
    69.94%
    APR
    Representative APR (variable)
    59.9%
    APR

Representative Example: Representative 59.9% APR (variable). Based on a credit limit of £1,000 and a purchase rate of 59.94% (variable).

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About Vanquis Credit Cards

Vanquis Bank was established in 2003, as the credit card division of the doorstop-lender Provident. They have developed a range of Visa credit cards, which are marketed under a variety of different brand names, including Aquis, Black Diamond, Chrome, Granite, NEO, and Vanquis. They also offer credit cards in the name of partner brands like the catalogue retailer, Argos.

Much like it's parent company, the products available from Vanquis were designed to address gaps in the UK financial service market for people with poor credit histories. As such, their products tend to feature low minimum credit limits, to make them accessible to the broadest possible market. The Representative APRs Vanquis market their products with, which at least 51% of accepted applicants must get, are also reflective of the fact that their customer base presents them with a higher default risk than standard card issuers might be subject to.

Although a niche lender, Vanquis Bank has won the prestigious "Credit Provider of the Year", at the Credit Today awards, 4 times since 2009.

Vanquis card features

Alongside a commitment to making credit more accessible, Vanquis Bank also offers a range of features to simplify money management.

Mobile App

The eVanquis app is available for Apple and Android mobile phones. It enables customers to quickly manage their Vanquis from their mobile phone, checking their account balance, viewing recent transactions, as well as making debit card payments to the account when necessary.

UK Call Centre

To ensure customers feel confident to contact Vanquis by telephone, they only use UK based call centre staff - largely based in Kent and Bradford.

Contact Vanquis Bank
  By Telephone

Lost Card - +44 161 444 4495

Payment Line - 0330 099 3000


  By Post

Vanquis Visa Card
Customer Services
PO Box 399
Chatham
ME4 4WQ