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Aqua credit cards

Here’s how an Aqua Credit Card can improve your credit score

  • See cards you're likely to get
  • Won't damage your credit score
  • A small step towards Money Calm

If you have a low credit score, Aqua’s range of credit cards is designed specifically for you. Whatever your situation, Aqua can help you build up your credit history and manage your finances better.

Aqua’s credit cards are designed to help you improve your credit score. Although they come with a higher Annual Percentage Rate (APR) than mainstream credit cards, they can be a gateway to more competitive products if you manage your account well and repay what you owe on time.

Aqua was launched in 2002 with the aim of helping people who may have been refused credit or overlooked by other credit card companies in the past. Aqua credit cards are underwritten and marketed by NewDay Ltd.

How do Aqua credit cards compare?

Aqua offers two types of credit cards:

  • Aqua Classic: A credit card to build credit

The Aqua Classic card is a suitable option for those with poor credit history who are looking to rebuild their credit rating. There is no annual fee for the Classic credit card, however you will be charged a fee if you have a late payment or go over your limit

  • Aqua Advance: Reducing interest rate credit card

Like the Aqua Classic card, with the added bonus of being able to reduce the card’s APR over time. It also offers extras like no fee-spending when abroad

Aqua credit card features

  • Manageable credit limits: With the potential to increase your credit limit if you manage your account well
  • Free access to your credit score: Aqua credit checker gives you free unlimited access to your credit report, personalised tips on how to improve your credit score, weekly alerts and access to money-saving vouchers and offers
  • Helpful tools & advice: Aqua also offers a handy app, text alerts and useful guides, all to help consumers on their journey to accessing more competitive rates and services
  • Ability to change monthly payment date: By scheduling the statement due date to coincide with your pay day, for example, you may have more funds available to pay down as much of the credit card balance as possible
  • International rates: Aqua Advance charges no extra fees on purchases abroad, making it a fantastic choice when going on holiday
  • Reduced Annual Interest: With an Aqua Advance card, if you stay within your credit limit and pay on time, you can reduce your rate over three years
  • Regulation: Aqua is fully regulated by the Financial Conduct Authority (FCA), and you’re protected under the Consumer Credit Act. So, if something goes wrong on a purchase you make between £100 and £30,000, you’ll get a full refund

How does Aqua credit card work?

The Aqua card works just like any other credit card, but interest rates are higher than the market average – reflecting the greater risk to the lender. The annual percentage rate (APR) you’ll be charged will depend on your individual circumstances.

An initial credit limit will be set, depending on your individual circumstances and what the company believe you can afford to comfortably repay.

If you want to avoid paying steep rates of interest, always pay your balance in full and on time every month – this lets you avoid paying interest altogether, as well as helping to build up your credit report.

As long as you keep up with your payments you could boost your score in around six months – making it easier to get a mainstream card with a lower APR.

Am I eligible for an Aqua credit card?

Aqua offers credit cards which are specifically designed for people who may have struggled with debts in the past, and who are keen to re-build their credit rating.

There are no guarantees that you’ll be offered a card, but Aqua does promise to take a thorough look at your individual circumstances and financial situation. To see if you might be eligible, try our eligibility checker – it’s quick, convenient and has no effect on your credit score.

To be approved for an Aqua credit card, you must:

  • Be 18 or over
  • Be a permanent resident of the UK
  • Pass the lenders’ credit checks
  • Not already have another card of the same type

How long does it take to receive an Aqua credit card?

It only takes a few minutes to give us the information we need to find the right deals for you. After that we’ll direct you to the provider, who will ask you to make a full application – which shouldn’t take long.

Approval is usually quick, and your Aqua credit card should arrive in the post within 14 days.

Once you receive your card, it will need to be activated. You can do this online or using Aqua’s automated service. Your pin number will be sent out shortly after you receive your card.

Withdrawing cash with your Aqua credit card

You may use your Aqua card to withdraw cash from a cash machine, but you’ll have to pay a fee for each cash transaction – and interest will be charged from the date the transaction is added to your account. Both could take you over your credit limit, so be aware of this and make sure to keep an eye on your balance.

How to pay your credit card balance

You’ll be able to make your Aqua credit card repayments through the following methods:

  • Direct debit
  • Standing order
  • The Aqua app
  • Online
  • By post
  • Telephone banking
  • Giro

If you’re struggling with a bad credit score and want help repairing it, Aqua’s credit cards are a great place to start. Just make sure you stay sensible with spending and keep on top of payments.

How do I apply for an Aqua credit card?

The easiest and most convenient way to apply for an Aqua credit card is online. Check your eligibility in less than 60 seconds, with no impact on your credit score.

You will be required to provide personal details including:

  • Contact details
  • Residential status
  • Employment status
  • Information regarding your income
  • Details of a current UK bank or building society account

MoneySuperMarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.