Aquis credit card

1676 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.

1676 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.


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.


reliable but costly intrest if not paid on time
11:38 04-04-2018
ImageSmart Money People

easy to apply and give temporary code if you need cash straight away but costly interest if your late repaying


19:44 09-01-2018
ImageSmart Money People

This company has helped me improve my credit history after I couldn't get credit anywhere else due to some mistakes I made in the past. They have easy payment options and send a couple pf reminders so I know exactly where I stand.


Great to build up your credit if used correctly,
21:51 01-10-2017
ImageSmart Money People

Fab non judgemental company and yes whilst interest rates are super high, if used correctly you can build up your credit score.

Jo Heath

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

Great company
19:30 22-06-2017
ImageSmart Money People

Great first time credit card to build credit file, easy customer service

Emma osborne

Chance to build your credit
14:16 19-06-2017
ImageSmart Money People

Managed to get a credit card with them and my credit score has improved so much since I've been with them.

Ricky Dias

Easy to apply and very helpful
15:46 05-06-2017
ImageSmart Money People

With poor credit I thought getting a credit card would be hard, these guys made it simple from application to activation - very open and honest

Mark Giddings

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

Apply Now