Low APR Balance Transfer Credit Card
This one has an introductory rate to help you save money on credit card debt
- 9.9% or 12.9% interest on balance transfers made within 60 days of account opening.
- Pay 9.9% or 12.9% for up to 36 months on balance transfers, subject to eligibility.
- £250 - £7,000 personalised credit limit.
Representative 35.9% APR (variable)
Your APR, credit limit and promo offer may vary based on your circumstances. Balance transfers must be made within 60 days of account opening to benefit from the 9.9% or 12.9% offer – see the summary box for more info.
To understand how we use your personal information, see our privacy notice.
The minimum amount you can transfer to your Vanquis card is £100. The maximum is 95% of your credit card limit. For example, if your limit is £1,000, you can move up to £950.
That colour looks great on you
Vanquis Credit Cards come in a range of different colours
You’ll be able to choose your card colour once your application has been accepted.
Benefits of the Vanquis Low APR Balance Transfer Credit Card
The Vanquis Low APR Balance Transfer Credit Card is designed to help you save money on existing credit card debt. By moving your balance from a high interest card to one with a lower APR, you can reduce the amount you pay in interest during the introductory period.
With a Vanquis Low APR Balance Transfer Credit Card, you can…
- Pay 9.9% or 12.9% interest on balance transfers for up to 36 months with a 0% balance transfer fee.
- Transfer a balance of up to 95% of your credit limit. For example, if your limit is £1,000, you can transfer up to £950.
- Get a personalised credit limit ranging from £250 to £7,000.
Balance transfer credit cards can help you...
Reduce the cost of existing debt
Move your high-interest balance to a credit card offering a low APR. With less money lost to interest, more of your payment goes directly towards reducing your debt.
Consolidate multiple debts
A balance transfer card lets you combine balances from different credit cards into one. This simplifies your monthly payments and makes your debt easier to manage.
Support your credit score
Lower interest rates and simplified payments can make your debt more manageable. By keeping up with repayments and reducing your overall balance, a balance transfer card can help improve your credit score over time.
Am I eligible for a Low APR Balance Transfer Credit Card?
Check your eligibility with no impact on your credit score. Once you’re confident you’ll likely be accepted, you can apply in a few steps.
You can apply if you are 18 years old or over, have a regular income and are a permanent UK resident.
You’re not eligible if you are currently bankrupt, have an active Individual Voluntary Arrangement (IVA), have a card or open application with us or have been declined by us in the last 6 months.
We’ll need your:
- Address details for the last 3 years
- Your bank details
- Your annual income and your monthly outgoings.
Why choose Vanquis?
We're the bank that's got your back.
We lend to a much wider range of customers than the high street banks.
Our eligibility checks give you confidence you’ll only be accepted for a credit card if you can afford the repayments and the APR is right for you.
All our credit cards are easy to apply for and simple to manage through our app.
We've helped over 5 million people and we're ready to help you.
Check out our Trustpilot reviews to read what our customers say. Why not join them and apply online today?
Frequently Asked Questions
Is a low APR balance transfer credit card right for me?
Whether a low APR balance transfer credit card is right for you depends on your financial goals and how you manage your existing debt. If you’re paying a high APR, transferring your balance to a card with a lower introductory balance transfer rate can reduce your interest costs. If you don’t miss a payment, it could help you clear your debt faster.
When the 9.9% or 12.9% offer period ends, interest will start building on any remaining balance at your standard variable interest rate. If it’s affordable, try to pay off your balance before that happens.
How do I apply for a credit card?
Applying for a Vanquis Credit Card is quick and straightforward. You can check your eligibility in just four simple steps, with no impact on your credit score.
Our other credit cards
Credit Builder Credit Card
This one’s designed to help build your credit score
- Cashback with selected retailers
- £250 - £2,500 personalised credit limit.
- Credit Builder Card Provider of the Year Moneyfacts Awards 2023, 2024 and 2025.
Representative 42.9% APR (variable)
See the summary box for more info on how your APR and credit limit may vary.
Balance Transfer Credit Card
This one’s for paying off other balances
- 0% interest on balance transfers for up to 19. months
- 0% interest on purchases for 3 months.
- £250 - £7,000 personalised credit limit.
Representative 33.9% APR (variable)
See the summary box for details of your APR, credit limit and balance transfer offer, which may vary.
Take control with Vanquis
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