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Check your eligibility once and we could offer you one of these rates. Responsible use of a Vanquis card while making payments on time can help build your credit score. 9%. Date of experience: September 27, 2023. Start your journey to better credit with our range of credit cards. 5% APR (variable) or 29. Helping you to better credit and a better everyday life. Check your eligibility once and we could offer you one of these rates. Helping you to better credit and a better everyday life. 5% or 2% back, depending on your eligibility for the credit union's Honors Advantage program. This part of your card balance will incur interest of 29. It is unclear at the outset as to what APR, credit limit and interest-free offers you are likely to be offered. 94% (variable) p. 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