Aqua

Established in 2002, Aqua credit cards are designed for people with a poor credit record, or no credit record at all.

Aqua cards can be helpful for building a credit history, as you're reasonably likely to have your application accepted, even if you have a less than perfect credit history.

Aqua is owned by NewDay Ltd, which runs a number of credit cards for high street retailers, including Debenhams.

Aqua
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Credit cards

Ranked 22nd of 34 providers reviewed.

Customer happiness score 55.48%
Customer trust score 49.43%
Complaints performance 64.44%
Transparency rating 59.9%
Fairer Finance score
Reviewed Autumn 2023
57%

Credit cards

Credit builder credit cards

Aqua

Classic

1 stars
Representative APR i 34.9%
Representative cash transaction interest rate i 3.142%
Representative purchase rate i 2.529%
Risk based? i
Initial minimum credit limit i £250.00
Statement Due Date Change Fee i £0.00
Representative balance transfer rate i 2.529%

Foreign use credit cards

Aqua

Classic

1 stars
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 5%
Representative APR i 34.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 2.529%

Money transfer credit cards

Aqua

Classic

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i 34.9%
Risk based? i
Representative cash transaction interest rate i 3.142%