Compare aqua credit cards for January 2020

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.

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Updated January 27th, 2020

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Name	Product	Annual/monthly fees	Min. credit limit	Max credit limit	Minimum income	Rep. APR		Incentive	Representative example
aqua Advance Mastercard		£0	£250	Not specified	Not specified	34.9%	More Info	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).	Compare	loading Fetching your data...
aqua Reward Mastercard		£0	£250	Not specified	Not specified	34.9%	More Info	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).	Compare	loading Fetching your data...
aqua Classic Mastercard		£0	£250	Subject to status: £1,200	Not specified	35.9%	More Info	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).	Compare	loading Fetching your data...

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Updated January 27th, 2020

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Name	Product	Annual/monthly fees	Min. credit limit	Max credit limit	Minimum income	Rep. APR		Incentive	Representative example
Vanquis Bank Chrome Credit Card 24.7pc Visa		£0	£250	Subject to status: £1,000	Not specified	24.7%	Go to site More Info	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).	Compare	loading Fetching your data...
Tandem Bank Journey Credit Card Mastercard		£0	£500	Subject to status: £1,500	£15000	24.9%	Go to site More Info	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).	Compare	loading Fetching your data...
Vanquis Bank Chrome Card 29.3pc Visa		£0	£250	Subject to status: £1,000	Not specified	29.3%	Go to site More Info		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).	Compare	loading Fetching your data...
Vanquis Bank Aquis Visa		£0	£250	Subject to status: £1,000	Not specified	29.8%	Go to site More Info	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).	Compare	loading Fetching your data...
Vanquis Bank Visa		£0	£150	Subject to status: £1,000	Not specified	39.9%	Go to site More Info		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).	Compare	loading Fetching your data...
TSB Classic Mastercard		£0	£500	Not specified	Not specified	26.9%	More Info		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).	Compare	loading Fetching your data...
Tesco Bank Foundation Clubcard Credit Card Mastercard		£0	£250	Subject to status: £1,500	£5000	27.5%	More Info	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).	Compare	loading Fetching your data...
Bank of Scotland Classic Mastercard		£0	£0	Not specified	Not specified	27.9%	More Info		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).	Compare	loading Fetching your data...
Capital One Classic Platinum Mastercard		£0	£200	Subject to status: £1,500	Not specified	29.8%	More Info		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).	Compare	loading Fetching your data...
Fluid Mastercard		£0	£300	Not specified	Not specified	29.9%	More Info		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).	Compare	loading Fetching your data...
118 118 Money Guaranteed Rate Card		£0	£500	Not specified	£8400	34%	More Info		Representative example: When you spend £1,200 at a purchase rate of 34% (variable) p.a., your representative rate is 34% APR (variable).	Compare	loading Fetching your data...
aqua Advance Mastercard		£0	£250	Not specified	Not specified	34.9%	More Info	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).	Compare	loading Fetching your data...
aqua Reward Mastercard		£0	£250	Not specified	Not specified	34.9%	More Info	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).	Compare	loading Fetching your data...
Barclaycard Forward Credit Card Visa		£0	£50	Subject to status: £1,200	£3000	34.9%	More Info	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).	Compare	loading Fetching your data...
Capital One Classic Mastercard		£0	£200	Subject to status: £1,500	Not specified	34.9%	More Info		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).	Compare	loading Fetching your data...
aqua Classic Mastercard		£0	£250	Subject to status: £1,200	Not specified	35.9%	More Info	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).	Compare	loading Fetching your data...
Capital One Luma Mastercard		£0	£200	Subject to status: £1,500	Not specified	35.9%	More Info		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).	Compare	loading Fetching your data...
Capital One Luma Purchase Mastercard		£0	£200	Subject to status: £1,500	Not specified	35.9%	More Info		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).	Compare	loading Fetching your data...
Ocean Credit Card Mastercard		£0	£200	Subject to status: £1,500	Not specified	39.9%	More Info		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).	Compare	loading Fetching your data...
thinkmoney Credit Card Mastercard		£0	£200	Subject to status: £1,500	Not specified	39.9%	More Info		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).	Compare	loading Fetching your data...
Opus Mastercard		£0	£250	Subject to status: £1,200	Not specified	39.9%	More Info		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).	Compare	loading Fetching your data...
Vanquis Bank Origin Credit Card Visa		£0	£150	Subject to status: £1,000	Not specified	59.9%	More Info		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	loading Fetching your data...

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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”.

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.

Popular questions about aqua cards

• Will checking my eligibility for an aqua credit card affect my credit rating?

  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. You’ll be able to see this “soft search” when you check your credit history, but other lenders won’t.

• What does aqua do to keep my card details secure?

  As well as using the latest online technology to ensure transactions are secure, aqua also has dedicated teams monitoring day-to-day transactions and intercept any suspicious activity on your account..

• Are online transactions using an aqua card safe?

  The aqua Secure online security suite monitors all transactions carried out using most current web browsers (e.g. Internet Explorer 5.5 and higher, and Macintosh Safari). The aqua Secure information box appears when you enter your account details on many retailers’ e-commerce sites to show you that its security is compatible with aqua Secure.

• How do I contact aqua if I don’t have internet access?

  You can call the customer services helpline on 0333 220 2691, or from overseas by calling +44 113 244 8986.

• I have an Aqua Mastercard credit card, how can I access Priceless Cities?

  All Mastercard credit cardholders are entitled to use their Priceless Cities rewards programme which offers access to exclusive experiences and discounts.

• How do I activate my aqua card?

  Before you start using it, your card obviously needs to be activated. To do this, call aqua’s automated service on 0800 028 7777 or activate your card online via its website. Remember to sign your card as soon as you get it!