Vanquis Bank

Vanquis was set up by Provident Financial in 2002 and received authorisation from the Financial Services Authority the following year. Vanquis was initially conceived as a pilot scheme, specialising in credit cards for people with poor credit histories, or no credit history, and it received approval to expand in 2004. It remains under ownership of Provident Financial, one of the UK's largest home credit companies.

Vanquis Bank
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Credit cards

Ranked 33rd of 34 providers reviewed.

Customer happiness 51%
Customer trust 39%
Complaints performance 44%
Transparency rating 39%
Fairer Finance score
Reviewed Spring 2019
43%

Credit cards

Credit builder

Vanquis Bank

Chrome Credit Card

4 stars
Representative APR i 29.50%
Representative cash transaction rate i 2.18%
Representative purchase rate i 2.18%
Risk based? i
Representative balance transfer rate i 2.18%
Initial minimum credit limit i £250

Vanquis Bank

Classic

3 stars
Representative APR i 39.90%
Representative cash transaction rate i 2.84%
Representative purchase rate i 2.84%
Risk based? i
Representative balance transfer rate i 2.84%
Initial minimum credit limit i £150

Foreign use credit cards

Vanquis Bank

Chrome Credit Card

2 stars
Representative APR i 29.50%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 2.18%

Vanquis Bank

Classic

1 stars
Representative APR i 39.90%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.99%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 2.84%

Money transfers

Vanquis Bank

Chrome Credit Card

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 29.50%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 2.18%