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Aqua credit cards
Compare a range of credit cards from Aqua
MoneySuperMarket is a credit broker not a lender. You must be 18 or over and a UK resident.
Who is Aqua?
Aqua is a UK-based specialist credit card provider. Aqua’s credit cards are tailored to people who don’t have the best credit scores. If you’ve been rejected by mainstream lenders, then an Aqua credit card could be an option for you.
What type of cards do Aqua offer?
Aqua is a specialist lender that specialises in lending to people with low credit scores. They offer credit builder cards, which are credit cards aimed at those who want to improve and repair their credit rating.
What are the features of the Aqua Classic credit card?
No annual fee
An initial credit limit of £250 to £1500
A mobile app to manage your credit card
A ‘Boosted Payments’ option which allows you to clear your credit card balance faster when compared to only making the monthly minimum payment
Am I eligible for an Aqua credit card?
To be eligible you’ll need to meet these criteria*:
Over 18
Have a permanent UK address
Not registered as bankrupt in the last 36 months
Do not have any ongoing bankruptcy proceedings against you
Haven’t received a County Court Judgement in the last 36 months
Have a current a UK bank account
Don’t already have an Aqua card
Haven’t taken out an Aqua, Opus, Fluid or Marbles card in the last 12 months
*Meeting the criteria does not guarantee acceptance
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How to compare credit cards with MoneySupermarket
Comparing credit cards couldn’t be easier with MoneySuperMarket. Our eligibility checker tool will show you the cards you’re most likely to be approved for – and we'll protect your credit using a soft search.
How long does it take to get an Aqua credit card?
Assuming you’re accepted, your Aqua card ought to arrive in the post within seven-ten days.
Can I get an Aqua credit card with bad credit?
Aqua’s range of cards includes credit-builder cards tailored to customers with an impaired credit ratings. That ought to give you a better chance of being accepted for an Aqua card than with some other lenders who are less likely to accept customers with that kind of credit profile.
As you might expect, Aqua customers who apply for this kind of card are typically offered a relatively high APR and a lower credit limit than you’d usually get with a standard credit card.
However, a credit-builder card can help you boost your credit rating, provided you use it responsibly and make all your repayments in time. That should, in turn, mean that your credit score improves over time and you’ll be eligible for a wider range of cards in future.
How do I contact Aqua?
You can get in touch with Aqua on 0333 220 2691. Opening hours are: Monday to Friday – 9am to 6pm, Saturday – 9am to 4pm, Sunday – closed.
Pay off as much as you can – in full if possible
It’s best to pay off your entire credit card balance every month if you can afford to – this way you won’t pay interest and you can avoid building up debt. If you can’t afford to pay off the full balance, you must pay off at least the minimum monthly payment – ideally more.
Don’t miss payments
Avoid missing credit card payments – credit card providers will often charge a penalty if you miss a payment and you also risk harming your credit score.
Set up a direct debit to pay your credit card balance
Setting up a direct debit could be a good way to ensure you pay off at least the minimum amount of your credit balance each month.
Don’t apply for new credit cards too often
Each time you make an application for a credit card, it leaves a record – known as a ‘hard search’ - on your credit report. Too many applications can make lenders think you are in desperate need for credit and your application may be rejected.
Get credit cards that offer rewards
Some credit cards have extra benefits that reward you when you use them a certain way. While some of them can be tempting, it’s better to get a credit card that will give you rewards for the way you spend already.
For example, an airmiles credit card. or one that earns you Avios travel-related points, is only going to be useful if you’re a regular flyer, but if you’re a regular shopper at a particular high street store, there might be a credit card that gives you cashback for shopping there.
Be careful when travelling overseas
If you’re planning to use your credit card overseas, check whether or not you’ll be charged for doing so. Many credit cards charge fees for foreign transactions, so it can be a good idea to look for a card that won’t charge you for using it abroad.
Don’t use your credit card for cash withdrawals
Some credit cards will charge a fee if you use them to take cash out of a cash machine, and on top of that you’ll be charged interest from the moment you receive your money. Avoid using your credit card for cash withdrawals unless it’s an emergency.
Protect yourself from fraud
Credit card fraud, like any fraud, is serious – you should always take care when using your credit card and be careful where you keep it. Never tell anyone your PIN and regularly check your statements every month – or if your credit card has an app, check that regularly - to make sure there are no surprises.
Credit card deals comparison
If you’re applying for a credit card, you might be able to find a better deal if you look through offers from different providers before taking one out. With MoneySuperMarket you’ll be able to search through multiple credit card deals and compare them by a range of factors, including their interest rates and any benefits and rewards they come with.
All you need to do is answer a few questions about yourself and your financial situation, and our Eligibility Checker will show your chances of being accepted for different credit cards. This won’t affect your credit score, so you can run a check without any worries.
Once you know which card you want, you can normally apply by phone, online, or in person if the provider has a high street branch. However, when you do apply, the provider will usually run a hard credit check – which will show up on your credit report – to confirm whether they’ll give you the card. If you’re accepted they’ll tell you your credit limit and interest rate, and soon you’ll be ready to start using your credit card.
How we work
MoneySuperMarket gives you lots of clever ways to save a lot, by doing very little.
Take control of your credit score by checking and improving it for free with Credit Score
Never overpay again with Energy Monitor, our energy monitoring service
Earn rewards of up to £130 per year when you make a qualifying purchase with SuperSaveClub
So how do we make our money? In a nutshell, when you use us to buy a product, we get a reward from the company you’re buying from.
But you might have other questions. Do we provide access to all the companies operating in a given market? Do we have commercial relationships or ownership ties that might make us feature one company above another?
We commit to providing you with clear and informative answers on all points such as this, so we have gathered the relevant information on this page.
Reviewed on 12 Dec 2025 by
