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Helping you to better credit and a better everyday life. Helping you to better credit and a better everyday life. 34. Learn about the ins and outs of the Vanquis Classic to help you decide if it's the best credit-builder cards for you. Start your journey to better credit with our range of credit cards. Get £20 back in Asda Pounds when you open a new credit card by 5 December 2023, spend £50 and set up a Direct Debit in the first 60 days by 5 December 2023. 9%. 5% APR (variable) Vanquis Classic Card - 39. Check your eligibility with our quick and simple 4 step application and find the right card for you. 99% fee. Representative 39. 5% APR (variable) Vanquis Chrome 29. And, unlike some retail credit cards, you can use the. It comes with a representative annual interest rate (APR) of 29. 5% APR (variable) or 29. However, you could be offered an APR as high as 49. This part of your card balance will incur interest of 29. 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