Chrome Credit Card review 2022

If you’re looking to build or rebuild your credit, then the Chrome Credit Card is designed with you in mind.

Finder rating: ★★★★★

Representative example: When you spend £250 at a purchase rate of 29.5% (variable) p.a., your representative rate is 29.5% APR (variable).


Minimum credit limit

Up to 56 days

Interest-free each billing period


Representative APR


Account fee


IssuerVanquis Bank
Annual/monthly fees£0
Minimum credit limit£250
Maximum credit limitSubject to status: £1,500
Credit limit noteIncreased to £4K if account held correctly.
Purchases interest-free period (days)56
Additional cards available1

Review by

Chris Lilly is a publisher at He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

Along with companies like aqua and Capital One, Vanquis Bank (which issues this card) is one of the biggest names in credit-building credit cards – which are designed to help borrowers with limited or bad credit to build a positive credit history.

As the name suggests, “credit builders” like the Chrome card are designed to help build a positive credit history. Any credit card, used responsibly (staying within your credit limit and paying at the very least the monthly minimum payment on time) will have a positive effect on your credit score, but these specialised cards are generally easier to get approved for, and often come with features designed to help protect and build credit. With the Chrome card, for example, you can schedule text or email alerts and can set up a direct debit to ensure you never miss a repayment.

The downsides of credit builders include higher interest rates, but this card boasts Vanquis Bank’s best rate, and if you pay off your balance in full each month you’ll be able to take advantage of the card’s grace period of up to 56 days of 0% interest on purchases each billing cycle (this doesn’t apply to cash advances).

Expect a low opening credit limit (this is always tailored to the individual), which could be increased after your fifth statement, with further potential increases every five months.

To maximise your chances of improving your credit score, you should use your credit builder card sensibly – staying within your credit limit and paying at the very least the monthly minimum payment on time (don’t forget, Vanquis lets you set up a direct debit for this). You’ll also need to keep other credit accounts in good shape and not take on too much debt elsewhere.

Pros and cons


  • You could get approved even with bad credit.
  • You could get a credit limit increase in as little as five months (and then further increases every five months after that).
  • For a credit builder, the Chrome Card has a very competitive representative APR.
  • Used responsibly, it can help improve your credit score.
  • Like almost all UK credit cards, if you clear your full balance each month and don't withdraw cash or transfer money using the card, you can avoid interest altogether.
  • As with most credit builders, there's no annual fee to worry about.
  • You can manage your account in the Vanquis Bank App, which lets you request credit limit increases, check your balance, review transactions and manage direct debits. You can also set up text and email alerts to stay on top of things.


  • Up to 49% of applicants are likely to be offered a higher rate than the advertised representative APR (card issuers are only obliged to offer this rate to 51% of customers).
  • This is a fairly basic card, so don't expect rewards or perks – it's all about getting your credit record back on track.
  • Although Vanquis shows a commitment to reviewing your credit limit regularly, there's no evidence of a similar commitment to reviewing your interest rate.
  • Because the card is aimed at people who don't have excellent credit, the interest rates aren't market-leading. So if you end up carrying a balance from month to month (particularly if you regularly make just the minimum required repayment), the costs of running the card can mount up.

How does it compare with other credit builders?

Table: sorted by representative APR, promoted deals first
Name Product Annual/monthly fees Initial credit limits Minimum income Representative APR Incentive Link
Tesco Bank Foundation Card
Min. limit £100, max. limit not specified.
Collect 1 Tesco Clubcard point per £4 spent (£4 minimum) in Tesco and 1 Clubcard point per £8 spent (£8 minimum) outside Tesco in each purchase transaction.  Must have available credit to collect Clubcard points. Clubcard points are turned into Clubcard vouchers every 3 months or sooner using Faster Vouchers. Clubcard vouchers can be used in Tesco or with Clubcard Reward Partners to get even more value on dining out, hotel stays and travel.
Representative example: When you spend £1,200 at a purchase rate of 27.542% (variable) p.a., your representative rate is 27.5% APR (variable).
The Credit Thing card
Min. limit £200, max. limit £1,500.
Not specified
Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).
TSB Classic Credit Card Mastercard
Min. limit £500, max. limit not specified.
Not specified
Representative example: When you spend £1,200 at a purchase rate of 27.95% (variable) p.a., your representative rate is 27.9% APR (variable).
Keebo credit card
Finder Award
Keebo credit card
Min. limit £200, max. limit £5,000.
Not specified
Representative example: When you spend £1,200 at a purchase rate of 27.98% (variable) p.a., your representative rate is 27.98% APR (variable).
Vanquis Bank Chrome Credit Card
Min. limit £250, max. limit £1,500.
Not specified
Representative example: When you spend £250 at a purchase rate of 29.5% (variable) p.a., your representative rate is 29.5% APR (variable).

Compare up to 4 providers

Approval for any credit card will depend on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

The verdict

With dedicated credit-builder cards, the Chrome credit card is a good option for anyone looking to boost or improve their credit score. Of course, the upshot is that is has no real perks or bonuses to speak of, but if you’re looking to build your credit, then this card does a more than decent job.

The Chrome credit card also offers a relatively low rate by credit-builder card standards, but you’d ideally be paying off your balance in full each month, otherwise your credit rating is likely to suffer further.

Repayment options

You can make manual repayments through Vanquis Bank's app, by logging in to your online banking or over the phone (0330 099 3001). Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and damaging your credit score – making it harder and more expensive to borrow money in the future – and getting hit with a penalty fee (£12) as a result.

You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

Alternatively, you may be asked to authorise a continuous payment authority (CPA). This allows Vanquis to request payments from your current account. A CPA can be cancelled at any time (although if you do cancel a CPA, you should always make alternative arrangements to make repayments, otherwise you risk damaging your credit score).

How to apply for the Chrome Credit Card

If you've compared cards and decided that the Chrome is the card for you, it's straightforward to apply online, and you'll typically get a response within 60 seconds.

Each application is considered on its own merit, and Vanquis will still consider you if you've been turned down for credit elsewhere. Before applying, you can check your likelihood of acceptance in around two minutes – Vanquis uses a "soft credit search" to do this, meaning that your credit score won't be affected.

The entire application process takes around 10-14 days – from you submitting it through to the physical card arriving in the post. If Vanquis needs to contact you for more information then it could take a little longer. After you've received your card and welcome pack in the post, you'll need to give Vanquis a call to activate the card. Alternatively you can activate the card in the app.

Your PIN (Personal Identification Number) will arrive by post separately, and you'll need to key in this PIN the first time you use the card at a merchant. From then on it's contactless all the way and you can just tap and go provided you're spending less than £45.

Frequently asked questions

What credit limit will I get with the Chrome Credit Card?

If Vanquis Bank is able to offer you this deal, the offer will specify a personalised credit limit based on Vanquis Bank's assessment of your situation. The minimum limit offered on the card is £250, while the maximum is £1,500. Once you've had the card for a while and shown Vanquis Bank that you're reliable, you may wish to apply for a credit limit increase.

Can I withdraw cash using the Chrome Credit Card?

Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as "cash-like transactions" (such as withdrawing cash at an ATM, getting cashback at the till, spending at a casino or buying currency) often incur steep fees and/or higher rates of interest.

The cash advance fee on the Chrome Credit Card is 3% (min. £3). For example, if you withdraw £50, you'll incur a fee of £3.00. Withdraw £250, and you'll incur a fee of £7.50.

The interest rate on this part of your balance will be 29.5%, which is the same as the standard purchase rate (chargeable from the day of the transaction – the card's usual "up to 56 days interest-free" grace period won't apply).

How much does it cost to use the Chrome Credit Card abroad?

Non-sterling transactions are subject to a 2.99% charge (which is very standard). For example, if you spend 200 euros (£172.04), it'll cost you around £5.14 in fees.

What is the minimum payment on the Chrome Credit Card?

Each month you must pay at least 2.5% of your balance at that point or £10.00 – whichever of the 2 figures is greater. So if you had, say, £380.00 outstanding, you'd pay £10.00, and if you had £1,600.00 outstanding, you'd pay £40.00.

Paying only the minimum required amount each month is generally not advisable as it tends to be a very expensive way to borrow money which can lead to persistent debt.

Can I transfer money from the Chrome Credit Card to a bank account?

Yes. That's what's known as a "money transfer" (rather than a "balance transfer") in credit card jargon. You can arrange this from your online banking or using Vanquis Bank's app. This part of your card balance will incur interest of 29.5%. The fee for a money transfer is 3% (min. £3).

Finder credit card ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Our experts score credit builder credit cards to determine their value against similar products on the market. We look at a number of important factors, like interest rates, credit limits, features to help you track your credit, plus the potential costs involved with running the card both in the short and longer term.

You can read more about our scoring criteria on our credit card methodology page.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.


  1. Default Gravatar
    December 29, 2019

    With Chrome Credit Cards, do you pay interest on every purchase as soon as it is made? So if one spent £20 and the rate was say 30%, by the end of the month would I have to pay £26 rather than £20? The terms and conditions appear to say so but rather obliquely!

    • Avatarfinder Customer Care
      January 2, 2020

      Hi Sophia,

      Thanks for your question. As with most credit cards, the Chrome Credit Card has a monthly billing cycle, and any purchases made within a billing cycle only need to be repaid by the due date listed on your credit card statement.

      In the case of the Chrome Credit Card, this means you can get up to 56 days interest-free on any purchases you make using the card, as long as you pay off your balance in full each month. For example, say your credit card has a billing cycle that begins on the 1st of each month and ends on the 30th. The payment due date for any purchases made in this period will be the 26th of the following month.

      This means for any purchases you make at the start of your billing cycle (the 1st of the month), you’ll have up to 56 days to pay them off without being charged interest. Even if you make a purchase at the end of your billing cycle (the 30th of the month), you’ll still have up to 26 days to pay them off without interest. Please keep in mind that you can only take advantage of the interest-free period if you always completely pay off your credit card statement each month.

      If you’re responsible with your credit card spending and managing your payments, you can continue to use your credit card without ever paying interest.

      You can also find out more about interest-free periods work in our guide.

      I hope this helps, but please let me know if you have any other questions.



Go to site