Aqua credit cards

Find out how an Aqua Credit Card can help improve your credit score

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.

Compare Aqua credit cards - Sorted by APR

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Your personalised chance of approval

Chance of approval 10/10 GUARANTEED
Chance of approval {{sliderProduct.productScoring.productLikelihood}}/10
Chance of approval Not rated
Chance of approval Not eligible
Being pre-approved means you’re an ideal customer for this lender and you’re guaranteed to get this card, provided you use the same details as you gave us, and you pass the lender’s ID checks.
We can’t give you a rating for this card either because we can’t match your details to your credit report, or we don’t have enough information about the lender’s acceptance criteria for this card.
You won’t get this card. This is usually because you don’t meet the lender’s acceptance criteria – for example, your income may not be high enough, you have credit problems, or you already have one of this lender’s cards.
This means there’s a good chance you’ll be accepted for this card. For every 100 applications from people in a similar financial situation to you, between 70 and 95 of them will get the card.
This score means it’s around fifty-fifty whether you’ll be accepted for the card or not. It’s worth a go if this is your highest score, and you need the credit for a specific purpose.
It’s unlikely you’ll get this card. For every 100 people in a similar financial situation to you who apply, only between 10 and 30 get accepted for the card. There’s still a chance, but rejection’s more likely than acceptance.

See the full approval scale

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better to get it right the first time. Your scores help you understand which cards you have the strongest chance of getting. The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

Chance of approval scale

10/10 = Pre-approved

Chance of approval 10/10 GUARANTEED
10/10 GUARANTEED

10/10 = Pre-approved

Being pre-approved means you’re an ideal customer for this lender and you’re guaranteed to get this card, provided you use the same details as you gave us, and you pass the lender’s ID checks.

9.5/10 - 7/10 = Good chance

Chance of approval 9.5/10
9.5/10
Chance of approval 9/10
9/10
Chance of approval 8/10
8/10
Chance of approval 7/10
7/10

9.5/10 - 7/10 = Good chance

This means there’s a good chance you’ll be accepted for this card. For every 100 applications from people in a similar financial situation to you, between 70 and 95 of them will get the card.

6/10 - 4/10 = Fair chance

Chance of approval 6/10
6/10
Chance of approval 5/10
5/10
Chance of approval 4/10
4/10

6/10 - 4/10 = Fair chance

This score means it’s around fifty-fifty whether you’ll be accepted for the card or not. It’s worth a go if this is your highest score, and you need the credit for a specific purpose.

3/10 - 1/10 = Low chance

Chance of approval 3/10
3/10
Chance of approval 2/10
2/10
Chance of approval 1/10
1/10

3/10 - 1/10 = Low chance

It’s unlikely you’ll get this card. For every 100 people in a similar financial situation to you who apply, only between 10 and 30 get accepted for the card. There’s still a chance, but rejection’s more likely than acceptance.

Not eligible = Consider a different card

Chance of approval Not eligible
Not eligible

Not eligible = Consider a different card

You won’t get this card. This is usually because you don’t meet the lender’s acceptance criteria – for example, your income may not be high enough, you have credit problems, or you already have one of this lender’s cards.

Not rated = We don’t have enough infoinformation

Chance of approval Not rated
Not rated

Not rated = We don’t have enough infoinformation

We can’t give you a rating for this card either because we can’t match your details to your credit report, or we don’t have enough information about the lender’s acceptance criteria for this card.

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Chance of approval 10/10 GUARANTEED
Chance of approval {{sliderProduct.productScoring.productLikelihood}}/10
Chance of approval Not rated
Chance of approval Not eligible
Chance of approval Eligibility checker Check your eligibility
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Chance of approval 10/10 GUARANTEED
Chance of approval {{sliderProduct.productScoring.productLikelihood}}/10
Chance of approval Not rated
Chance of approval Not eligible
Chance of approval Eligibility checker Check your eligibility
Start
What's this?
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Representative Example: If you spend at {{sliderProduct.productAttributes.interestRates.representativeExample.interestDescription}} rate of {{sliderProduct.productAttributes.interestRates.representativeExample.interestRate}}% ({{sliderProduct.productAttributes.interestRates.representativeExample.fixed === false? 'variable': 'fixed'}}) p.a. with a {{sliderProduct.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative APR is {{sliderProduct.productAttributes.interestRates.representativeExample.apr}}% APR ({{sliderProduct.productAttributes.interestRates.representativeExample.isAPRFixed === false? 'variable': 'fixed'}})

Main features

Rate type
Rate
Duration
Balance transfers
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Money transfers
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Thereafter
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Fees

Fee type
Fee
Min fee
Balance transfers
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Cash advances
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Money transfers
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Fixed fees
Fee amount
Annual fee
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Monthly fee
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What's good about this card

What to be aware of

Repayment details

  • Interest free period – up to {{sliderProduct.productAttributes.repaymentDetails.interestFreePeriod}} days
  • Your monthly minimum payment will be the greater of:
    • {{sliderProduct.productAttributes.repaymentDetails.minimumMonthlyRepayRate}}% of the outstanding balance on your statement (minimum £{{sliderProduct.productAttributes.repaymentDetails.minimumMonthlyRepayAmount}})
    • The full balance if less than £{{sliderProduct.productAttributes.repaymentDetails.minimumBalanceToAvoidPayingFullBalance}}
    • {{sliderProduct.productAttributes.repaymentDetails.percentageOfBalanceToPayAfterMissedPayment}}% of the outstanding balance plus interest, plus fees, plus any insurance premium, plus the amount of any arrears which are payable immediately.

Please note, you can’t have two Aqua accounts or open an Aqua account within 12 months of opening a Marbles, Fluid or Opus account issued by NewDay

Please note, you can’t have two Aqua accounts or open an Aqua account within 12 months of opening a Marbles, Fluid or Opus account issued by NewDay

Aqua

Aqua

Balance transfer

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{{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== undefined ? 'then' : ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | number : 2)}}%

{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}}

{{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%

Rewards

  • {{::item}}

  • No rewards

Balance transfer

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{{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== undefined ? 'then' : ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | number : 2)}}%

{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}}

{{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%

Rewards

  • {{::item}}

  • No rewards

Representative example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} rate {{::product.productAttributes.interestRates.representativeExample.interestRate}}% ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) p.a. with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative APR is {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}})

Please note, you can’t have two Aqua accounts or open an Aqua account within 12 months of opening a Marbles, Fluid or Opus account issued by NewDay

Please note, you can’t have two Aqua accounts or open an Aqua account within 12 months of opening a Marbles, Fluid or Opus account issued by NewDay

Aqua

Aqua

Balance transfer

{{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize}}

{{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== undefined ? 'then' : ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | number : 2)}}%

{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

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{{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%

Rewards

  • {{::item}}

  • No rewards

Balance transfer

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{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

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Rewards

  • {{::item}}

  • No rewards

Representative example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} rate {{::product.productAttributes.interestRates.representativeExample.interestRate}}% ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) p.a. with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative APR is {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}})

EXPLORE MORE CREDIT CARDS

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. The representative APR is 37.9% for an assumed spend of £1,200 to be repaid over one year. There is no annual fee for the Classic credit card, however you will be charged a fee of £12 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. This is a credit rebuilder card which in three years’ time could potentially give you an APR of just 19.9%, down from the initial rate of 34.9%. It also offers extras like no fee-spending when abroad

Aqua credit card features

  • Manageable credit limits: An initial credit limit between £250-£1,200, 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 of between £250 and £1,200 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 of £3 or 3% of the amount (whichever is higher) 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.


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