Aquis credit card

1666 reviews

29.8% Representative

Purchase rate: 29.84%

Representative example:

Representative Example: The standard interest rate on purchases is 29.84% p.a. (variable), so when borrowing £1,000 the Representative APR will be 29.80% (variable).


Aquis credit card customer reviews.

1666 reviews

4.5 out of 5 stars

18:45 30-05-2018
ImageSmart Money People

Great little card, gave me a card even though I had a bad credit rating. It is now helping me build up my crdit rating, which I am thankful for. Their online banking website is really good and easy to use too.


Clear, open, easy to understand and fair.
07:41 27-04-2018
ImageSmart Money People

Because I'd lived in Europe for 16 years, I had a low credit score in the UK. Vanquis were the only company who would give me a credit card. I feel that although their fees and interest are high to cover their risk, they have always been very open about what they charge and how the card works. They've also been very pro-active in helping me to build my credit score. I now have an excellent rating, mostly because Vanquis made it easy to manage my card.

Hayley Jane Wakenshaw

12:28 26-04-2018
ImageSmart Money People

No fuss one quick phone call and all done , card sent quickly too

Catherine Malik

Good entry level Credit Card
11:51 09-04-2018
ImageSmart Money People

Vanquis offer a good entry level credit card to help people build or even re-build their credit ratings.


Helpful reminders to assist in rebuilding credit rating.
17:47 03-11-2017
ImageSmart Money People

I really like this card. It has text message reminder features so you know when payments are due and balances are low. I have found it good that they don't give you instant increases bit it's based on the management of your account so as you evidence that you can manage your money to get access to greater increases. Customer service has been good, they offer an app which is helpful in keeping track of your usage. Is defiantly recommend Vanquis to others who have had credit difficulties in the past. Just remember that the interest rate is quite high so bear that in mind when applying. A+

Chloe Louise

Good all round service
20:19 29-06-2017
ImageSmart Money People

Fast approval and great app for smart phone makes it really easy to manage your account

Scott Morrison

Vanquis are an excellent overall compsny
18:14 27-06-2017
ImageSmart Money People

I find vanquis fantastic and easy to deal with. They have excellent customer services on hand to help with any issues you may havd

Lisa Heywood

22:04 22-06-2017
ImageSmart Money People

When I went through a tricky time and needed some help with making my monthly payments they were great and set me up on a payment plan so I could get it under control. Such a relief.

Michelle smith

Very approachable
12:41 20-06-2017
ImageSmart Money People

They have been very helpful, polite and understanding.

Alison Kirk

Good first card or for poor credit history only
18:09 11-06-2017
ImageSmart Money People

I got this card because of my poor credit history. I kept it for two years until my credit rating improved and then got rid of it. If you miss a payment the interest in HUGE.


Our review of Aquis credit card

The Aquis Credit Card is provided by Vanquis and is aimed towards those who may have a few blemishes on their credit history. They try to help customers manage their credit by initially giving a maximum limit of £1,000, once it’s been proved that this can be kept to and paid on time, then this can increase every five months until it reaches a final maximum of £4,000. Vanquis also put information on their Aquis Credit Card site to educate customers and give them tips on how to stay out of debt and work towards building up their credit.

Apart from a more expensive representative APR than a lot of credit cards on the market, charges and fees are fairly in line with their competitors – such as the fees for paying late or going over the maximum limit is £12 each. Customers can use their Aquis Credit Card to withdraw cash anywhere in the world with a fee of 3%, but if using it abroad there will also be a non-sterling transaction fee of 2.99%.

There are no online reviews that are specific to the Aquis Credit Card, however Vanquis as a whole have received a rating of ‘excellent’ from TrustPilot. This is much better than a lot of the credit card providers on Choose Wisely and customers are particularly positive about their transparency, communication and being able to use it to rebuild their credit.

Overall verdict: Vanquis appear to help customers rebuild poor credit with their Aquis Credit Card. They give their customers the tools to manage it themselves but with gentle text reminders to ensure they don’t get into trouble. If you have poor credit and are looking for a credit card, this could be the one for you, just watch out for the more expensive representative APR.

Written by: Alex


  • Manageable initial limit of £1,000
  • Credit limit increases with trustworthiness
  • Manage the card online
  • Decision within one minute
  • Contactless payment

Minimum criteria

  • You must be aged at least 18
  • You need to be a UK resident
  • No bankruptcy


  • Maximum APR %
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

About Aquis credit card

The Aquis Credit Card from Vanquis is designed for customers who may have experienced problems with credit it in the past and has a representative APR of 29.8%. To begin with customers could be given a maximum credit limit of £1,000, however if they prove to be trustworthy by keeping under the limit and paying on time then this can increase every five months up to a final maximum of £4,000. There is no annual fee for the Aquis Credit Card, but customers will be charged a fee of £12 if they miss a payment or go over their allocated credit limit.

After completing the application customers should be able to receive a decision within one minute – Vanquis may require further information from the applicant, but they will notify you if this is the case. Once accepted customers can receive their Aquis Credit Card in 10 to 14 days, with the PIN arriving around the same time, but separately for security.

Customers can manage their Aquis Credit Card online by logging into the site where they can access their statement, make payments to the card and check their payment date. Customers can also make payments over the phone, by post and over the counter at a bank or Post Office.

Company information

Registration number: 2558509



20 Fenchurch Street, London, EC3M 3BY

FCA registration

Reference No: 221156

Trading names: Vanquis Bank Limited, Aquis, Argos Credit Card, Black Diamond

Place of business: No. 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU

Data protection registration

Registration No: Z767493X

Data controller: Vanquis Bank Limited

Address: No. 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU

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