Aquis Credit Card 2025 : APR of 29.8% Check Pros and Cons

Building or rebuilding credit in the UK can feel like a challenging battle, especially if you have a limited or poor credit history.

Fortunately, credit builder cards like the Aquis Credit Card offer a stepping stone towards improving your financial standing. Issued by Vanquis Bank, the Aquis Credit Card is designed for those who may struggle to get approved for mainstream credit cards.

In this blog, we will look at what the Aquis Credit Card offers, its pros and cons, eligibility requirements, and whether it might fit you.

What is the Aquis Credit Card?

The Aquis Credit Card is a credit builder card issued by Vanquis Bank. It is specifically designed for individuals with a poor or limited credit history.

This card aims to help users demonstrate responsible credit use, which can improve their credit score over time. With a manageable credit limit and tools to keep track of your spending, the Aquis card makes it easier to stay in control.

Key Features of the Aquis Credit Card

Feature	Details
Representative APR	29.8% variable
Purchase Rate	29.84% p.a. variable
Initial Credit Limit	Between £250 and £1,000 (subject to status)
Credit Limit Increases	Reviewed every 5 months, can increase up to £4,000
Annual Fee	No annual fee – no hidden yearly charges
Contactless Payments	Enabled – fast and secure transactions
eVanquis Mobile App	Check balance, manage account, and make payments on the go

Eligibility Criteria for Aquis Credit Card

To be eligible for the Aquis Credit Card you must satisfy the below criteria:-

• Be 18 years or older
• Be a UK resident
• Not currently hold or have applied for a Vanquis card in the last 6 months
• Have a stable source of income

Vanquis offers a soft eligibility checker, allowing you to see your chances of approval without affecting your credit score. Top 5 Credit Cards with Lowest Interest Rates in UK

Pros and Cons of the Aquis Credit Card

This table helps you understand the Pros and cons of Aquis Credit Card:-

Pros	Cons
No Annual Fee – Saves money in the long run	High APR – Costly if balance isn’t paid in full each month
Credit Building Tool – Ideal for poor or no credit history	Fees on Cash Withdrawals – 3% or £3 minimum (whichever is higher)
Credit Limit Reviews – Opportunity for higher limits over time	Foreign Transaction Fees – 2.99% on non-sterling transactions
Soft Search Tool – Check eligibility without impacting credit score	No Rewards or Cashback – Offers no incentive benefits
User-Friendly App – Manage everything easily via eVanquis mobile app	Limited Global Use – Not ideal for frequent international travel

Benefits of the Aquis Credit Card

Here are some of the listed benefits of Aquis Credit Card:-

• Improves Credit Score: Timely payments and low credit usage can boost your score
• Track Spending: App notifications and monthly statements help budgeting
• Designed for Newcomers: Friendly to those new to the UK credit system
• Credit Education: Learn about credit management through experience

Things to Remember

The Aquis card can be helpful if used it responsibly:-

• Interest on Cash Withdrawals: Charged immediately.
• Carrying Balances: Can lead to significant interest charges
• Missed Payments: May negatively impact your credit instead of helping it

Aquis vs Other Vanquis Credit Cards

Vanquis offers other cards like the Classic and Chrome. Here’s how Aquis compares:

Feature	Aquis Credit Card	Classic Credit Card	Chrome Credit Card
Representative APR	29.8% variable	34.5% variable	29.5% variable
Initial Credit Limit	£250 – £1,000	£500 – £1,200	£250 – £1,500
Credit Limit Increases	Reviewed every 5 months, up to £4,000	Reviewed every 5 months, up to £4,000	Reviewed every 5 months, up to £4,000
Annual Fee	£0	£0	£0
Cash Withdrawal Fee	3% or £3 (whichever is greater)	3% or £3 (whichever is greater)	3% or £3 (whichever is greater)
Foreign Transaction Fee	2.99%	3%	2.99%
Interest-Free Period	Up to 56 days on purchases if paid in full	Up to 56 days on purchases if paid in full	Up to 56 days on purchases if paid in full
Mobile App Access	Yes	Yes	Yes
Eligibility Checker	Yes (Soft Search)	Yes (Soft Search)	Yes (Soft Search)
Best For	Building credit with a moderate APR	Individuals with limited or poor credit histories	Those seeking the lowest APR among Vanquis cards

Tips for Using Aquis Responsibly

• Pay More Than the Minimum: Helps reduce interest and build credit faster
• Avoid Cash Withdrawals: Due to fees and immediate interest
• Set Payment Reminders: Avoid late fees and credit damage
• Monitor Usage: Keep usage below 30% of your credit limit

How to Apply for the Aquis Credit Card

Follow the below steps to Apply for Aquis Credit Card without any hassle:-

• Check Eligibility: Use the soft search tool on Vanquis website
• Fill Out the Application: Provide accurate personal and financial info
• Submit Documents: Proof of ID and income may be required
• Wait for Approval: You will typically hear back within a few days

Conclusion

If you are looking to build or rebuild your credit in the UK, the Aquis Credit Card by Vanquis Bank is a strong contender.

Aquis Credit Card doesn’t offer flashy rewards or low interest rates. Its primary focus on accessibility, credit building, and user-friendly tools make it the best choice for those starting their financial journey.

Always remember to pay on time, avoid unnecessary fees, and monitor your usage and you will be well on your way to a healthier credit profile. 10 Best Start up Business Credit Cards

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