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* | 37.9% | 29.9% |
Annual fee | £0 | £0 |
Overlimit fees | £12 | None |
Late payment fees | £12 | £12 |
Cash withdrawal fees | 5% 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 | ✅ | ✅ |
Refer A Friend scheme | ❌ (paused) | ✅ |
Cashback | ✅ | ❌ |
Extra Features
Features | Vanquis | Zable |
|---|---|---|
App | ✅ | ✅ |
Free credit score and report | ✅ (in a separate app) | ✅ |
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. Customers can use the Snoop app to compare car insurance offers from third parties.
Customer Service
Features | Vanquis | Zable |
|---|---|---|
Chat support | ✅ (in app for credit card customers) | ✅ (in app) |
Email support | ✅ (only regarding loans) | ✅ |
Open on weekends | ✅ | ✅ |
Trustpilot score | 4.4 from 44,000+ reviews (correct as of 22/10/2026) | 4.8 from 68,000+ reviews (correct as of 22/10/2026) |
Which card suits you?
Both credit cards charge no annual fee and have identical late payment fees. The differences are most noticeable in the broader fee structure and the features included. 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.
You use your card outside the UK. Vanquis adds 2.99% foreign transaction fee to purchases made abroad. Zable doesn't apply a foreign transaction fee to overseas purchases. Cash withdrawals outside the UK carry a charge on both cards.
What both cards have in common
Neither card charges an annual fee, and late payment fees are the same at £12. Both support Apple Pay and Google Pay. 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 22/10/2026.
