★★★★★
Satisfaction survey
Please note: Aqua’s interest rates (other than promotional rates) are linked to the Bank of England Base Rate.
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”.
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.
To qualify for an Aqua credit card, you must:
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.
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.
Our customer satisfaction scores ("Customers say") are based on a survey of 2,155 customers carried out in December 2021.
To find out more, read our full methodology.
One of just a handful of 0% balance transfer deals for bad credit.
A “credit-builder” aimed at applicants who have a poor credit rating. Compare live rates and alternatives.
The Aqua Advance Mastercard is a credit-builder credit card with a rate that drops every year for the first three years.