Vanquis Bank Purchase Credit Card review

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The Vanquis Bank Purchase Credit Card is issued on the Visa network (used by a whopping 4.2 billion cards), so you'll be able to use it at more than 100 million merchant locations across more than 200 countries and territories.

What is the Vanquis Purchase credit card?

With the Vanquis Purchase Offer credit card, you get 0% interest on purchases for 4 months. If your application is successful, the card still acts like your typical credit card. You can spend money up to a pre-set credit limit outlined in your credit agreement. You’ll get a bill each month, and you’ll have to pay off at least the specified minimum amount. For example, you could buy that sofa you’ve always wanted and spread the payment over the interest-free period. So, if you make a purchase that totals £400, you can pay back the minimum fee (shown on your credit card statement) – let’s say £100 – each month for 4 months. By the end of the 4th month, you’ll have paid off the card balance and avoided costly interest charges.

Note that once this 4 month offer period expires, the interest rate rises. So, aim to pay off your balance before it ends to avoid additional costs. After the initial interest-free offer period, your Vanquis Purchase credit card acts like a regular credit card, with 56 days interest-free on purchase transactions when you’ve paid off the purchase balance in full and on time. It’s important to note that should you not pay off your balance in time, you’ll be charged interest from the date of your first purchase. Setting up a direct debit to regularly pay off your balance in time can give you peace of mind.

What benefits/features can you get?

The Vanquis Purchase Card comes with a few benefits and features that differ from other credit cards. These features include:

• 0% interest on purchases for the first 4 months
• Credit limit between £500 and £1,200
• Spreading costs of purchases into smaller amounts
• No annual fee

As with any credit card, using it responsibly can help you build up and maintain a good credit score over time. The opposite is also true – using a credit card irresponsibly can negatively impact your credit score.

Applying for a Vanquis Purchase Offer credit card

1. Complete the online eligibility soft check on Vanquis’ website.
2. You receive a decision in 60 seconds.
3. Vanquis processes your application and lets you know the next steps.

To apply, you must meet the following eligibility criteria:

• Be over 18
• Live in the UK
• Do not have an Aquis, Chrome, Origin, Vanquis, thimbl or Granite credit card
• Are not currently bankrupt or have an active Individual Voluntary Agreement (IVA)

What do I need to apply for a Vanquis Purchase Offer credit card?

To apply for the Vanquis Purchase Offer Card, you’ll need to provide the following documents:

• Address details for the last 3 years
• Job details
• Contact details
• An idea of your monthly expenditure
• Bank account and debit card details

Vanquis app

Vanquis has a mobile app you can download onto your iOS or Android smartphone.

App features:

• Verify online purchases. Verify online purchases made with your card to prevent fraud.
• View your transactions. Monitor your credit card transaction history.
• See up to 12 months of statements. View and download your credit card statements.
• Make payments. Make payments towards your credit card bill and get an instant update on your available credit.
• Set up automatic payments. Set up a recurring debit card payment, called a Continuous Payment Authority (CPA), towards your credit card bill.
• Report your credit card lost or stolen. Inform Vanquis that your card is lost or stolen to prevent unauthorised purchases.

Vanquis customer reviews

Vanquis has an “excellent” rating of 4.5 out of 5 on review platform Trustpilot (updated July 2023). Many customers praised the easy-to-use app and accessibility of the credit card for those with a poor credit score.

The Vanquis app has a score of 4.8 out of 5 on the App Store (updated July 2023). Customers commended Vanquis for the security and efficiency of its app.

Customer support information

You can contact Vanquis customer services by phone on 0330 099 3000 with any queries.

Bottom line

As far as 0% purchase credit card interest-free periods go, the Vanquis card is on the shorter end. The HSBC Purchase Plus credit card, for example, offers 0% for 20 months. However, the Vanquis card is designed for people with fair credit and who may struggle to get credit elsewhere. Vanquis also offers an easy-to-use eligibility soft check, as well as easy management of your card through its app, which can be useful. Its excellent customer reviews also make Vanquis stand out from its competitors.

Other 0% purchases deals

Table: sorted by representative APR, promoted deals first

1 - 5 of 31

Updated daily

Product UKCCF	Finder Score	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Link	Key benefit	Representative example
M&S Bank Credit Card Purchase Plus Offer Mastercard	Finder score 8.6Great	0% for 20 months reverting to 24.9%	0% for 12 months (3.49% fee)	£0	24.9% APR (variable)	Check eligibilityCard details Compare	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	loading Fetching your data...
HSBC Purchase Plus Credit Card	Finder score 8.1Great	0% for 20 months reverting to 24.9%	0% for 17 months (3.49%, min £5 fee)	£0	24.9% APR (variable)	Check eligibilityCard details Compare		Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.	loading Fetching your data...
Santander All in One Credit Card	Finder score 9.3Excellent	0% for 15 months reverting to 23.9%	0% for 15 months (0% fee)	£3 per month	29.8% APR (variable)	Check eligibilityCard details Compare		Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).	loading Fetching your data...
first direct Gold Credit Card	Finder score 6Standard	0% for 12 months reverting to 24.9%	24.9% (0% fee)	£0	24.9% APR (variable)	Check eligibilityCard details Compare		Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	loading Fetching your data...
John Lewis Partnership Credit Card	Finder score 8.2Great	28.94%	28.94% (5% fee)	£0	28.9% APR (variable)	Check eligibilityCard details Compare	Earn 2.5% back as points towards gift vouchers on eligible spend at John Lewis and Waitrose in the first 60 days from account opening. Earn 5 points for every £4 spent on eligible purchases at John Lewis and Waitrose and 1 point for every £4 spent elsewhere. 1 point = 1p (min 500pts)	Representative example: When you spend £1,200 at a purchase rate of 28.94% (variable) p.a., your representative rate is 28.9% APR (variable).	loading Fetching your data...

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Read the full methodology

Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Moneyfacts.