aqua

Compare Aqua credit cards for October 2021

Aqua’s range of credit cards is designed specifically to help those with a low credit score, or those with little or no credit history, to build up their credit records.

3.6 ★★★★★ (50 reviews) Write a review
Customer rating
★★★★★
Satisfaction survey
Committed to helping people improve their credit
Better options for those with good credit

Compare Aqua credit cards

Please note: Aqua’s interest rates (other than promotional rates) are linked to the Bank of England Base Rate.

Name Product Annual/monthly fees Initial credit limits Minimum income Representative APR Incentive Link
Aqua Classic Credit Card
£0
Min. limit £250, max. limit £1,200.
Not specified
29.7%
Representative example: Assumed credit limit £1,200, representative 29.7% APR (variable), purchase rate 29.75% p.a. (variable).
Please note: you can’t have two Aqua accounts or open an Aqua account within 12 months of opening a Marbles, Fluid or Opus account, issued by New Day
Check eligibility
Aqua Classic Balance Transfer Card
£0
Min. limit £250, max. limit £1,200.
Not specified
34.9%
Representative example: Assumed credit limit £1,200, representative 34.9% APR (variable), purchase rate 34.95% p.a. (variable).
Please note: you can’t have two Aqua accounts or open an Aqua account within 12 months of opening a Marbles, Fluid or Opus account, issued by New Day
Check eligibility
Aqua Advance credit card
£0
Min. limit £250, max. limit £1,200.
Not specified
34.9%
Reduce your rate over three years if you stay within your credit limit and pay on time. No extra fees on what you spend abroad.
Representative example: When you spend £1,200 at a purchase rate of 34.95% (variable) p.a., your representative rate is 34.9% APR (variable).
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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.

Aqua is part of the London-based NewDay group of companies, which was the credit card provider for retail giants past and present, including Debenhams, Topshop, Laura Ashley and Amazon. Aqua credit cards are also on the Mastercard network, which means they can be used in more than 35 million places worldwide.

Aqua offers customers a range of tools designed to help borrowers run their card accounts. The company is open about the fact that it aims to help people move to other finance products as their needs evolve, with the intention to “help all customers be better with credit”.

What benefits can I expect from an Aqua credit card?

  • Customer support. Aqua operates a local call rate customer helpline with staff available between 8am and 8pm daily.
  • Online account management. You can register online to make payments, check the available balance on your card, update your details and carry out a range of other tasks involved in servicing your account.
  • Free unlimited credit report access. The Aqua credit checker gives you a monthly-updated picture of the state of your credit record, which you can access through your online account, or by calling the Aqua customer services hotline.
  • Access to a range of credit-building tools and advice. Aqua’s “road to good credit” is all about helping consumers on their journey to accessing more competitive rates and services.

They have good customer service, and offered me a card when most would not.”

Aqua customer in Finder's 2021 survey

Applying for an Aqua credit card

The easiest and most convenient way to apply for an Aqua credit card is online – you can get an instant indication of the likelihood of your application being successful by using Aqua’s “FastCheck”, and it won’t leave a “footprint” on your credit file so you don’t have to worry about your credit score.

Eligibility requirements

To qualify for an Aqua credit card, you must:

  • Be 18 or over
  • Have a permanent UK address
  • Not have been registered bankrupt in the past 18 months or have bankruptcy proceedings against you
  • Have a current UK bank or building society account
  • Not have received a county court judgement in the past 12 months
  • Not have an existing Aqua card or have taken out another card issued by NewDay in the past 12 months

Why might your application not be approved?

If you meet the broad criteria outlined above, but have a history of bad debt, you could be rejected. Also, if you have been made the subject of a CCJ you may not be accepted, and you are unlikely to be given a card if you have ever declared bankruptcy.

Aqua customer reviews

Customers in Finder’s 2021 customer satisfaction survey were mostly positive about Aqua, with many praising its customer service and easy-to-use app. One customer said Aqua was “very helpful and good with building credit.”

Aqua also scored a rating of 3.5 out of 5 in our 2021 customer satisfaction awards, and 78% of Aqua customers said they would be happy to recommend the brand to a friend.

Frequently asked questions

Finder credit card ratings

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

Our customer satisfaction scores ("Customers say") are based on a survey of 1,861 customers carried out in December 2020.

To find out more, read our full methodology.

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.

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