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Vanquis

A UK credit-builder card for thin credit files.

Credit & Debit CardsGlobalLicensed bank / card issuer — PRA/FCA (UK)Website

Reviews

2.2(171)
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Rating

Showing 75 of 171 reviews — proof-verified first.

James Walker· United Kingdom
Verified Review

Good but high fee

I’ve had the Vanquis card for a while. The perks are good but acceptance is patchy at smaller shops. Great abroad, less useful day to day. Does the job, with caveats.

Verified as a real account holder.

12 found this helpfulReport
Oliver Brown· United Kingdom
Verified Review

Rewards that add up

I’ve carried the Vanquis card for years. Travel insurance and lounge access are excellent. The points transfer to travel partners and fund real flights. Exactly what I needed. Been a customer for a couple of years.

Verified with a dashboard screenshot.

39 found this helpfulReport
Emily S.· United Kingdom
Verified Review

Fine, with limits

I’ve had the Vanquis card for a while. The annual fee is high for how I use it. Great abroad, less useful day to day. Solid but not perfect. Switched from a traditional provider.

Verified as a real account holder.

7 found this helpfulReport
Saoirse O’Brien· Ireland
Verified Review

Rewards downgraded

I expected more from Vanquis. The rewards programme was quietly downgraded. It gets declined at far too many merchants. Cannot recommend right now. Friend recommended it to me.

Proof of account uploaded for verification.

17 found this helpfulReport
Jack Jones· United Kingdom
Verified Review

Hidden fees

I expected more from Vanquis. It gets declined at far too many merchants. Cannot recommend right now.

Proof of account uploaded for verification.

29 found this helpfulReport
Olivia Jones· United Kingdom
Verified Review

Excellent protection

I can speak from real experience with Vanquis. Purchase protection refunded a disputed order fast. Exactly what I needed. Used across two countries so far.

Verified as a real account holder.

40 found this helpfulReport
Emily T.· United Kingdom
Verified Review

Rewards that add up

I’m genuinely happy with Vanquis. No foreign transaction fees made travel cheaper. Cashback lands every month and genuinely adds up. Exactly what I needed. Friend recommended it to me.

Verified as a real account holder.

48 found this helpfulReport
George Wilson· United Kingdom
Verified Review

Great travel card

I use Vanquis regularly and it shows. The points transfer to travel partners and fund real flights. The app makes tracking spend and rewards easy. Will keep using it. Setup took less than ten minutes.

Proof of account uploaded for verification.

18 found this helpfulReport
Saoirse Byrne· Ireland
Verified Review

Chargeback was painful

Trusted Vanquis for a big purchase. The rewards programme was quietly downgraded. Fees I wasn’t told about showed up on my statement. Disappointed overall. Been a customer for a couple of years.

Verified with a recent statement.

21 found this helpfulReport
Amelia Williams· United Kingdom
Verified Review

Rewards downgraded

I expected more from Vanquis. Fees I wasn’t told about showed up on my statement. Looking for alternatives.

Verified with a dashboard screenshot.

20 found this helpfulReport