Aquis credit card

APR: 29.8% Representative
Purchase rate: 29.84%
Contact Aquis credit card

Aquis credit card customer reviews

4.6 out of 5 from 1649 reviews


19:44 09-01-2018

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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

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

Jo Heath

excellent card

19:48 08-08-2017

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Vanquis approached me by post offering a card with competable interest. Initially vanquis claimed they would consider a credit limit increase after 4 months however 3 months in they changed their policy to 5 months with no exception to existing customers. Online banking is useful however paying off the credit card takes 3 working days which can be imconvenient when i send money over which i need to access soon after.

James campbell

High interest

18:44 29-06-2017

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Easy to get , but the extremely high interest is shocking . And they target people who don't really have other options for credit cards . Customer service is awful

Rebecca meakin

Helping hand

15:42 29-06-2017

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This is a great card to get your credit rating to a better level

Kirsty hand

Vanquis are an excellent overall compsny

18:14 27-06-2017

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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

Good company, terrible app

09:39 23-06-2017

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They are a great company, great pay back amount, but their app doesn't make sense when it comes to paying the amount needed each month. Either more money is taken by them at a much later date than it says, or less is taken, but it's extremely rarely the amount it states or the date. It just gets very confusing trying to sort out payments



22:04 22-06-2017

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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

Chance to build your credit

14:16 19-06-2017

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

Ricky Dias

Good first card or for poor credit history only

18:09 11-06-2017

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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

Our review by Alex
Written by: Alex
Consumer sentiment


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.


  • 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

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.