Compare Aqua credit cards

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

Product	Finder Score	Annual/monthly fees	Initial credit limits	Minimum income	Representative APR	Incentive
Aqua Classic Credit Card	Finder score 8.1Great	£0	Min. limit £250, max. limit £1,200.	Not specified	34.9%	Representative example: Assumed credit limit £1,200, representative 34.9% APR (variable), purchase rate 34.95% p.a. (variable).	Read review Compare	loading Fetching your data...

Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

Approval for any credit card depends 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. Most of the data in Finder's comparison tables is provided by Moneyfacts.

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”.

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.

Can I transfer a balance to my Aqua credit card?

Previously, Aqua had a balance transfer card (the Aqua Classic Balance Transfer credit card), however this is no longer available. But that’s not to say that your Aqua card can’t be a balance transfer card. You can do this by:

After activating your card, use either the Online Account Manager or Aqua App to request a balance transfer.
Log in, select ‘Balance Transfer’, then specify the amount and details of the card you’re transferring from. Aqua will then “handle the rest”.

Aqua customer reviews

In our 2024 customer satisfaction survey, Aqua received a relatively low score of 73% of customers who would recommend the brand to a friend. While some customers stated that the app was good, others referred to high fees, with one survey respondent saying that there was “no flexibility with payment”.

Frequently asked questions

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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

Your reviews

3.7

★★★★★(0)

All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.

10 of 366 reviews

★★★★★ Rumble (London) 3 months ago