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Start your journey to improving your credit score with a Vanquis credit card. This card’s stand-out features are its broad eligibility criteria, minimum monthly repayment (although you should always aim to pay more), and range of. 5 out of 5 on review platform Trustpilot (updated July 2023). 9%. , your representative rate is 59. If that isn't a testament to the kind of company they are, I don't know what is. This will vary between different credit card providers but can be as much as £10 or more. Helping you to better credit and a better everyday life. Only potential downside is it takes 2 working days for payments to show and be effective so you can pay. 5% APR (variable) Vanquis Classic Card - 39. 5% APR (variable) or 29. Comparison of alternatives to a Vanquis card. Helping you to better credit and a better everyday life. 5% APR (variable) Vanquis Chrome 29. Vanquis Chrome Card - 26. 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