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aqua credit cards

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.

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 April 19th, 2019
Name Product Annual/monthly fees Min. credit limit Max credit limit Rep. APR Incentive Representative example
£0
£250
Not specified
34.9%
Free Credit Checker provided by Noddle, customers receive free unlimited access to their credit 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
34.9%
Free Credit Checker provided by Noddle, customers receive free unlimited access to their credit 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
Subject to status: £1,200
35.9%
Free Credit Checker provided by Noddle, customers receive free unlimited access to their credit 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
49.9%
Free Credit Checker provided by Noddle, customers receive free unlimited access to their credit 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).

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Updated April 19th, 2019
Name Product Annual/monthly fees Min. credit limit Max credit limit Rep. APR Incentive Representative example
£0
£250
Subject to status: £1,000
24.7%
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
£150
Subject to status: £1,200
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
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
£250
Subject to status: £1,000
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
29.8%
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
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
£50
Subject to status: £1,200
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
£150
Subject to status: £1,000
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).
£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
£250
Subject to status: £1,200
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
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
£250
Not specified
34.9%
Free Credit Checker provided by Noddle, customers receive free unlimited access to their credit 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
£200
Subject to status: £1,500
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
Not specified
34.9%
Free Credit Checker provided by Noddle, customers receive free unlimited access to their credit 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
£200
Subject to status: £1,500
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
35.9%
Free Credit Checker provided by Noddle, customers receive free unlimited access to their credit 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
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
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
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
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
49.9%
Free Credit Checker provided by Noddle, customers receive free unlimited access to their credit 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
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

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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.

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.

Popular questions about aqua cards

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*Disclaimer: The offers compared on this page are chosen from a range of products finder has access to track details from and is not representative of all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The use of terms "Best", "Top", "Cheap" including variations, are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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