Origin credit card review

2 min Read Published: 12 Apr 2024

Origin credit card review Origin is not currently accepting new applications. Vanquis offers another credit builder card, which you can read about here.

The Origin credit card was specifically aimed at those with a poor credit score, perhaps who have been turned down for credit elsewhere. While you may be more likely to be accepted even if you have adverse credit, there is a high APR to bear in mind.

Key facts about the Origin credit card

  • Best for: Those committed and able to pay off the full balance each month so as not to get hit with the high interest rate.
  • Introductory offer: No introductory offer.
  • Representative APR: 59.9% variable.
  • Fees: No annual fee.
  • Perks: No specific perks.

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  • 26.5% APR Representative (variable)

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Pros of the Origin credit card

  • The credit limit is reviewed every five months and could increase to up to £4,000 over time.
  • It is interest-free for up to 56 days on purchases if you pay off the balance in full on time each month.
  • You may get accepted for this card even if you have been turned down by other providers as it is designed for people with poor credit.

Cons of the Origin credit card

  • It's hard to overlook the high APR which - at 59.9% - is way above what you could expect to pay with other credit builder cards, which typically have APRs of between 30-40% variable.
  • It doesn't have any introductory offers or other benefits.
  • Not available for those that already have a credit card issued from Vanquis Bank.

How to manage your payments on the Origin credit card

Cardholders can manage their accounts online or on the mobile app compatible with iOS and Android.

How to find out which credit card is best for you

Money to the Masses has partnered with Creditec* to help find the best credit card for you. By entering a few basic details, you will be able to see a tailored list of the best credit cards based on your individual circumstances. You can sort your results by the feature that interests you most, such as by card type, total fees or cashback offered. On top of this, the credit cards that have been pre-approved for you will be highlighted, meaning you can be more confident that you will be accepted if you apply. (Pre-approval does not guarantee acceptance and is still subject to additional lender checks). Your details will be used to conduct a soft credit search often referred to as an eligibility check, which means your credit score will not be affected. Click on this link to get started*.

How to apply for the Origin credit card

You can check if you are likely to be accepted for the card by completing the online eligibility checker, which will not impact your credit score.

Alternatives to the Origin credit card



If a link has an * beside it this means that it is an affiliated link. If you go via the link Money to the Masses may receive a small fee which helps keep Money to the Masses free to use. But as you can clearly see this has in no way influenced this independent and balanced review of the product.