★★★★★
Customer satisfaction


Updated
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.
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.
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”.
Aqua’s cards do what they promise without any problems and they’re easy to use. Aqua keeps me up to date with when my payments are due.”
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.
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.
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.