Compare Aqua credit cards for May 2021

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Compare Aqua credit cards

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

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Name	Product	Annual/monthly fees	Initial credit limits	Minimum income	Rep. APR	Incentive	Link
Aqua Advance credit card		£0	Min. limit £250, max. limit £1,200.	Not specified	34.9%	Reduce your rate over three years if you stay within your credit limit and pay on time. No extra fees on what you spend abroad. 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).	Read review	Compare	loading Fetching your data...
Aqua Classic Credit Card		£0	Min. limit £250, max. limit £1,200.	Not specified	37.9%	Representative example: When you spend £1,200 at a purchase rate of 37.95% (variable) p.a., your representative rate is 37.9% APR (variable).	Read review	Compare	loading Fetching your data...

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Name	Product	Annual/monthly fees	Initial credit limits	Minimum income	Rep. APR	Incentive	Link
TSB Classic Credit Card Mastercard		£0	Min. limit £500, max. limit 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).	Read review	Compare	loading Fetching your data...
Tesco Bank Foundation Card		£0	Min. limit £100, max. limit not specified.	£5000	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).	Read review	Compare	loading Fetching your data...
Vanquis Bank Chrome Credit Card		£0	Min. limit £250, max. limit £1,500.	Not specified	29.5%	Representative example: When you spend £250 at a purchase rate of 29.5% (variable) p.a., your representative rate is 29.5% APR (variable).	Read review	Compare	loading Fetching your data...
Vanquis Bank Aquis Visa		£0	Min. limit £250, max. limit £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).	Read review	Compare	loading Fetching your data...
Amazon Classic Mastercard		£0	Min. limit £500, max. limit not specified.	Not specified	29.9%	Be upgraded to the Amazon Platinum Mastercard if you make at least one transaction a month, make repayments on time and stay within credit limit in the first 12 months.. Representative example: When you spend £1,200 at a purchase rate of 29.95% (variable) p.a., your representative rate is 29.9% APR (variable).	Read review	Compare	loading Fetching your data...
HSBC Classic Credit Card Visa		£0	Min. limit £250, max. limit £1,000.	£6800	29.9%	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).	Read review	Compare	loading Fetching your data...
Barclaycard Forward Credit Card		£0	Min. limit £50, max. limit £1,200.	£3000	33.9%	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 33.9% (variable) p.a., your representative rate is 33.9% APR (variable).	Read review	Compare	loading Fetching your data...
118 118 Money Guaranteed Rate Card		£0	Min. limit £500, max. limit not specified.	£8400	34%	Representative example: When you spend £1,200 at a purchase rate of 34% (variable) p.a., your representative rate is 34% APR (variable).	Read review	Compare	loading Fetching your data...
Aqua Advance credit card		£0	Min. limit £250, max. limit £1,200.	Not specified	34.9%	Reduce your rate over three years if you stay within your credit limit and pay on time. No extra fees on what you spend abroad. 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).	Read review	Compare	loading Fetching your data...
Post Office Money® Classic Credit Card Mastercard		£0	Min. limit £200, max. limit £8,000.	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).	Read review	Compare	loading Fetching your data...
Marbles Classic Credit Card		£0	Min. limit £250, max. limit £1,200.	Not specified	34.9%	You could get a credit limit increase after three months. Choose a monthly repayment date that suits you and change it up to twice a year. 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).	Read review	Compare	loading Fetching your data...
Capital One Classic Credit Card		£0	Min. limit £200, max. limit £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).	Read review	Compare	loading Fetching your data...
Fluid Credit Card		£0	Min. limit £250, max. limit not specified.	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).	Read review	Compare	loading Fetching your data...
Capital One Luma Purchase Mastercard		£0	Min. limit £200, max. limit £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).	Read review	Compare	loading Fetching your data...
Capital One Luma Mastercard		£0	Min. limit £200, max. limit £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).	Read review	Compare	loading Fetching your data...
Aqua Classic Credit Card		£0	Min. limit £250, max. limit £1,200.	Not specified	37.9%	Representative example: When you spend £1,200 at a purchase rate of 37.95% (variable) p.a., your representative rate is 37.9% APR (variable).	Read review	Compare	loading Fetching your data...
Vanquis Bank Visa		£0	Min. limit £150, max. limit £1,500.	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).	Read review	Compare	loading Fetching your data...
thinkmoney credit card		£0	Min. limit £200, max. limit £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).	Read review	Compare	loading Fetching your data...
thimbl. credit card		£0	Min. limit £150, max. limit £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).	Read review	Compare	loading Fetching your data...
opus card		£0	Min. limit £250, max. limit not specified.	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).	Read review	Compare	loading Fetching your data...
Ocean Credit Card		£0	Min. limit £200, max. limit £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).	Read review	Compare	loading Fetching your data...
Cashplus Credit Card		£0	Min. limit £100, max. limit £3,000.	Not specified	49.9%	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).	Read review	Compare	loading Fetching your data...
Origin Credit Card		£0	Min. limit £150, max. limit £1,500.	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).	Read review	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.

Aqua customer reviews

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.

Frequently asked questions

• 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!