Compare aqua credit cards for September 2019

aqua’s range of four 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.

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aqua

aqua is part of the London-based NewDay group of companies, which is the credit card provider for some big high street names, 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”.

Compare aqua credit cards

With all of aqua’s cards, building credit is the primary focus. That means they might not have the headline grabbing APRs, but are designed as a bridge to more competitive credit products. Credit builder cards aren’t usually associated with rewards, but aqua are helping to reshape that belief with their reward card, which allows borrowers to earn rewards at the same time as developing their credit.

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

Updated September 21st, 2019
Name Product Annual/monthly fees Min. credit limit Max credit limit Min income Rep. APR Incentive Representative example
£0
£250
Not specified
Not specified
34.9%
Free Credit Checker provided by TransUnion Credit View, customers receive free unlimited access to their credit score and report.
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).
£0
£250
Not specified
Not specified
34.9%
0.5% on £1 to £20000 of yearly spend. Maximum of £100 cashback paid per year. Cashback paid Anniversary into Card Account. Maximum spend for cashback purposes is £20000
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).
£0
£250
Subject to status: £1,200
Not specified
35.9%
Free Credit Checker provided by TransUnion Credit View, customers receive free unlimited access to their credit score and report.
Representative example: When you spend £1,200 at a purchase rate of 35.95% (variable) p.a., your representative rate is 35.9% APR (variable).
£0
£100
Subject to status: £300
Not specified
49.9%
Free Credit Checker provided by TransUnion Credit View, customers receive free unlimited access to their credit score and report.
Representative example: When you spend £1,200 at a purchase rate of 49.94% (variable) p.a., your representative rate is 49.9% APR (variable).

Compare up to 4 providers

Updated September 21st, 2019
Name Product Annual/monthly fees Min. credit limit Max credit limit Min income Rep. APR Incentive Representative example
£0
£250
Subject to status: £1,000
Not specified
24.7%
Stay in control of your account with online servicing, a mobile app, SMS and email alerts.
Representative example: When you spend £1,000 at a purchase rate of 24.7% (variable) p.a., your representative rate is 24.7% APR (variable).
£0
£500
Subject to status: £1,500
£15,000
24.9%
No fees for making purchases or withdrawing cash abroad – currencies are converted at the standard Mastercard exchange rate.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
£0
£250
Subject to status: £1,000
Not specified
29.3%
Representative example: When you spend £1,000 at a purchase rate of 29.3% (variable) p.a., your representative rate is 29.3% APR (variable).
£0
£250
Subject to status: £1,000
Not specified
29.8%
You could get a credit limit increase after your 5th statement and further increases every 5 months, up to £4,000.
Representative example: When you spend £1,000 at a purchase rate of 29.84% (variable) p.a., your representative rate is 29.8% APR (variable).
£0
£100
Subject to status: £600
£10,000
34.9%
Earn Asda vouchers every time you shop - 1% cashback on all Asda spend, 0.2% on all other transactions. Once £2.5 is earnt a voucher can be downloaded to spend in Asda stores.
Representative example: When you spend £1,200 at a purchase rate of 34.9% (variable) p.a., your representative rate is 34.9% APR (variable).
£0
£150
Subject to status: £1,000
Not specified
39.9%
Representative example: When you spend £1,000 at a purchase rate of 39.94% (variable) p.a., your representative rate is 39.9% APR (variable).
£0
£500
Not specified
Not specified
26.9%
Representative example: When you spend £1,200 at a purchase rate of 26.95% (variable) p.a., your representative rate is 26.9% APR (variable).
£0
£250
Subject to status: £1,500
£5,000
27.5%
Collect 1 Tesco Clubcard point per £4 spent (£4 minimum) in Tesco and 1 Clubcard point per £8 spent (£8 minimum) outside Tesco in each purchase transaction.  Must have available credit to collect Clubcard points. Clubcard points are turned into Clubcard vouchers every 3 months or sooner using Faster Vouchers. Clubcard vouchers can be used in Tesco or with Clubcard Reward Partners to get even more value on dining out, hotel stays and travel.
Representative example: When you spend £1,200 at a purchase rate of 27.542% (variable) p.a., your representative rate is 27.5% APR (variable).
£0
£0
Not specified
Not specified
27.9%
Representative example: When you spend £1,200 at a purchase rate of 27.95% (variable) p.a., your representative rate is 27.9% APR (variable).
£14 per month. Customer with a card credit limit of £1200: £14 per month. Customer with a card credit limit of £225: £8 per month. Customer with a card credit limit of £250: £3 per month
£225
Subject to status: £1,200
£8,400
28.9%
Representative example: When you spend £1,200 at a purchase rate of 0% (variable) p.a. with a fee of £14 per month. Customer with a card credit limit of £1200: £14 per month. Customer with a card credit limit of £225: £8 per month. Customer with a card credit limit of £250: £3 per month, your representative rate is 28.9% APR (variable).
£0
£200
Subject to status: £1,500
Not specified
29.8%
Representative example: When you spend £1,200 at a purchase rate of 29.84% (variable) p.a., your representative rate is 29.8% APR (variable).
£0
£300
Not specified
Not specified
29.9%
Representative example: When you spend £1,200 at a purchase rate of 29.94% (variable) p.a., your representative rate is 29.9% APR (variable).
£0
£250
Not specified
Not specified
34.9%
Free Credit Checker provided by TransUnion Credit View, customers receive free unlimited access to their credit score and report.
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).
£0
£250
Not specified
Not specified
34.9%
0.5% on £1 to £20000 of yearly spend. Maximum of £100 cashback paid per year. Cashback paid Anniversary into Card Account. Maximum spend for cashback purposes is £20000
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).
£0
£50
Subject to status: £1,200
£3,000
34.9%
Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices.
Representative example: When you spend £1,200 at a purchase rate of 34.9% (variable) p.a., your representative rate is 34.9% APR (variable).
£0
£200
Subject to status: £1,500
Not specified
34.9%
Representative example: When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).
£0
£250
Subject to status: £1,200
Not specified
35.9%
Free Credit Checker provided by TransUnion Credit View, customers receive free unlimited access to their credit score and report.
Representative example: When you spend £1,200 at a purchase rate of 35.95% (variable) p.a., your representative rate is 35.9% APR (variable).
£0
£200
Subject to status: £1,500
Not specified
35.9%
Representative example: When you spend £1,200 at a purchase rate of 35.94% (variable) p.a., your representative rate is 35.9% APR (variable).
£0
£200
Subject to status: £1,500
Not specified
35.9%
Representative example: When you spend £1,200 at a purchase rate of 35.94% (variable) p.a., your representative rate is 35.9% APR (variable).
£0
£200
Subject to status: £1,500
Not specified
39.9%
Representative example: When you spend £1,200 at a purchase rate of 39.94% (variable) p.a., your representative rate is 39.9% APR (variable).
£0
£200
Subject to status: £1,500
Not specified
39.9%
Representative example: When you spend £1,200 at a purchase rate of 39.94% (variable) p.a., your representative rate is 39.9% APR (variable).
£0
£250
Subject to status: £1,200
Not specified
39.9%
Representative example: When you spend £1,200 at a purchase rate of 39.95% (variable) p.a., your representative rate is 39.9% APR (variable).
£0
£100
Subject to status: £300
Not specified
49.9%
Free Credit Checker provided by TransUnion Credit View, customers receive free unlimited access to their credit score and report.
Representative example: When you spend £1,200 at a purchase rate of 49.94% (variable) p.a., your representative rate is 49.9% APR (variable).
£0
£150
Subject to status: £1,000
Not specified
59.9%
Representative example: When you spend £250 at a purchase rate of 59.94% (variable) p.a., your representative rate is 59.9% APR (variable).

Compare up to 4 providers

Approval for any credit card will depend on your status. The APR shown represents 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.

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.

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.

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We exist to help you find better. The offers we've compared on this page are from a range of products whose details we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations of these) aren't product ratings, although 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, it's wise to consider getting independent financial advice. Always consider your own financial circumstances when you compare products so you get what's right for you.

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