Credit Builder Credit Card

 

With our credit builder card you could build, improve, and maintain your credit score over time if you manage your card responsibly.

 

With your Credit Builder Credit Card

  • by paying on time and staying within your limit, you could build your credit score
  • get a personalised credit limit between £500 and £3,000
  • pay and manage your account with ease using your Vanquis app

 

Representative
30.9% APR (variable)

 

Your APR and credit limit may vary based on your circumstances.

 

 

Check your eligibility

 

Vanquis Credit Card

 

 

 

Moneyfacts icon - Proud winners of Moneyfacts Best Credit Builder Card Provider 2023 and 2024

Proud winners of Moneyfacts Best Credit Builder Card Provider 2023 and 2024

 

 

Trustpilot

 

 

 

Before you apply

 

You can apply for a Vanquis Credit Card if you:

  • are over 18
  • live in the UK
  • don't already have an Aquis, Chrome, Origin, Vanquis, thimbl or Granite Credit Card
  • are not currently bankrupt or have an active Individual Voluntary Arrangement (IVA)

What you'll need:

 

  • address details for the last 3 years
  • contact details
  • employment details
  • details of your monthly income
  • an idea of how much you spend each month
  • your bank account details

 

 

How does a credit builder card work?

Credit builder cards are designed to help people improve their credit score or build it up from scratch.

 

They usually come with a lower credit limit and a higher interest rate, which means you'll pay more interest in outstanding balances. If used responsibly - for example paying at least the minimum amount on time each month and staying within your credit limit - these cards could help improve your credit score over time.

 

A credit card to improve your credit score

Boost your credit score by using your card responsibly - try not to max out your credit limit each month. To save on interest, aim to pay off the full statement balance each month. If that's not possible, paying more than the minimum will still help reduce the interest you pay.

 

Keeping up with your payments can improve your credit score over time. Setting up a Direct Debit can ensure you never miss a payment.

 

Credit Builder Credit Card for bad credit

A credit builder card can be a powerful tool to rebuild your credit score. By following the terms and making your payments on time, you could steadily improve your bad credit history and unlock better financial opportunities.