Granite Credit Card – The Smart Way to Build your Credit

The card for people with poor credit

Easy to manage credit limit from £150 - £1,000
You could get a credit increase on your 4th statement*
Further increases possible every 4 months, up to £3,000*
Thousands of great discounts with Granite rewards

Representative 34.9% APR (variable)

* to be considered for a credit limit increase, please keep all your credit agreements in order by paying on time, making use of your existing credit limit without going over the limit, and not taking on too much debt elsewhere. This is only a guide and meeting these criteria does not guarantee you a credit limit increase.

Granite Rewards gives you access to thousands of new and exclusive deals from leading UK retailers. Each reward provides a discount or money off when you order with a participating retailer.

Unlimited rewards. You can use as many rewards as you like across a huge range of products and services.

We are adding hundreds of new rewards every week however some rewards are only available for a short time so check back regularly to make sure you don't miss a deal.

These offers are examples only and may not be current.

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Debenhams

Pizza Express

B&Q

Sainsbury's

The Body Shop

Play

No annual fee
A credit limit assigned at a fixed amount to help you stay in control
Up to 56 days interest free on purchases
Free additional cardholder
Free fraud monitoring to warn you of any suspicious activity on your account
Chip & PIN technology for added security whenever you use your card
Visa is widely accepted in the UK & abroad
Convenient for paying online & over the phone
A friendly UK Customer Service call centre

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If you have any questions about the granite Visa Card, or it’s suitability for your needs, then please read our frequently asked questions page, and read our Card Summary. To find out more about Repayment Option Plan, an optional feature of your account, click here.

Even though I know my
credit rating was poor I was
treated like a human being
and that meant more to me
than getting credit.

Tom* - Northampton

I'd had real problems getting credit
in the past because of my
credit score. Granite accepted
me and has been a real
credit lifeline.

Sophie* - East London

Thanks for your support and
for believing in people like me,
caught out during the credit
crisis. I will remember this
support with loyalty during
the good times ahead

Julian* - Coventry

*real case, but identity has been changed

Apply Now

Read more cases >

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Granite Rewards
Thousands of incredible discounts from top retailers for all our customers.
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Benefits and Features
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What our customers say
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Important: Credit is subject to: status; telephone contact; confirmation of name and address; not already holding a credit card issued by Vanquis Bank; no reasonable suspicion of fraud, and is only available to UK residents who are at least 18 years of age and are not legally restricted from obtaining credit e.g. because of bankruptcy. Please read the Summary Box and Terms and Conditions for full financial details.

The Granite card is promoted by MI Money Limited, part of the Media Ingenuity Group, and issued by Vanquis Bank Limited. MI Money Limited is a tied credit intermediary and promotes the Granite card exclusively in partnership with Vanquis Bank. MI Money Limited Trading Address: 3rd Floor, Holden House, 51 - 57 Rathbone Place, London W1T 1JU. Registered Office: Eastcastle House, 27-28 Eastcastle Street London WIW 8DH. Registered in England and Wales, company number 6967012.

Vanquis Bank can be contacted at its registered office, which is at No. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. Registered number 02558509 England. VAT number 180555952. Vanquis Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 221156), except for Credit Cards & Loans until 31st March 2014 where we are licensed by the Office of Fair Trading (Consumer Credit licence number 532364).