Zable vs Vanquis
Written by
Emily Tye
Reviewed by
Amy LancashireWhen comparing credit cards, examining fees, features, and support helps you make an informed decision. This page breaks down how the Vanquis Credit Builder card compares with the Zable+ card so you can decide which fits your needs.
Fees & Limits
Features | Vanquis Credit Builder | Zable+ |
|---|---|---|
Starting limit | Up to £2,500 | Up to £4,000 |
Representative APR* | 42.9% | 29.9% |
Annual fee | £0 | £0 |
Overlimit fees | £12 | None |
Late payment fees | £12 | £12 |
Cash withdrawal fees | 3% or minimum £3 | 3% or minimum £3 |
Foreign Exchange fees on purchases abroad | 2.99% per transaction | None |
Card Features
Features | Vanquis Credit Builder | Zable+ |
|---|---|---|
Suitable for credit building | ✅ | ✅ |
Apple & Google Pay | ✅ | ✅ |
Same-day virtual card | ❌ | ✅ (if eligible) |
Refer A Friend scheme | ❌ (paused) | ✅ |
Cashback | ✅ | ❌ |
Extra Features
Features | Vanquis | Zable |
|---|---|---|
App | ✅ | ✅ |
Free credit score and report | ✅ (in a separate app) | ✅ |
Rent reporting | ❌ | ✅ |
Multi-bank spend tracking | ✅ (in a separate app) | ✅ |
Loan offers | ❌ * | ✅ |
Car insurance offers | ❌ * | ✅ |
*Vanquis refers customers to ClearScore to compare loans from third-party lenders, and refers customers to the Snoop app to compare car insurance offers from third parties.
Customer Service
Features | Vanquis | Zable |
|---|---|---|
Chat support | ❌ | ✅ (in app) |
Email support | ✅ (only regarding loans) | ✅ |
Open on weekends | ✅ | ✅ |
Trustpilot score | 4.4 from 42,000+ reviews (correct as of 11/06/2026) | 4.8 from 53,000+ reviews (correct as of 11/06/2026) |
Which card suits you?
Both credit cards charge no annual fee and have identical cash withdrawal fees of 3% (minimum £3). The differences are most noticeable in the broader fee structure, the features included, and the level of customer support available. Vanquis offers cashback when you spend at participating retailers. On the other hand, you may want to consider Zable if:
You want access to a higher starting credit limit. Zable+ offers starting limits of up to £4,000; Vanquis Credit Builder up to £2,500. The limit you're offered will depend on your individual circumstances.
You want your financial tools in one place. Vanquis offers a multi-bank spend tracking tool and credit score service, but through a separate app rather than the main Vanquis product. With Zable, it all sits alongside your card account.
Going slightly over your limit is a risk. Vanquis charges £12 if you exceed your credit limit.
You use your card outside the UK. Vanquis adds 2.99% to purchases made abroad. Zable doesn't apply a foreign transaction fee to overseas purchases. Cash withdrawals outside the UK carry a separate charge on both cards.
You want broad support options. Vanquis's email support covers loan queries only and chat is not available.
What both cards have in common
Neither card charges an annual fee, and cash withdrawal fees are the same at 3% (minimum £3). Both support Apple Pay and Google Pay and are FCA regulated. Both hold a Trustpilot rating in the "Excellent" category: 4.4 for Vanquis and 4.8 for Zable.
*Representative example:
Based on assumed borrowing of £1200 at an interest rate of 29.9% (variable) p.a. your representative APR will be 29.9% (variable). Subject to eligibility. If you don't qualify, we may offer you a different card with its own terms.
Apply OnlineThis comparison is based on publicly available information published on the Vanquis website. Correct as of 11/06/2026.
