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 30th of 30 providers reviewed.

Customer happiness 48.72%
Customer trust 38.44%
Complaints performance 64.56%
Transparency rating 48.95%
Fairer Finance score
Reviewed Autumn 2021
50%

Credit cards

Credit builder credit cards

Aqua

Advance

2 stars
Representative APR i 34.90%
Representative cash transaction interest rate i 3.14%
Representative purchase rate i 2.53%
Risk based? i
Initial minimum credit limit i £250
Representative balance transfer rate i 2.53%

Aqua

Classic

1 stars
Representative APR i 37.90%
Representative cash transaction interest rate i 3.32%
Representative purchase rate i 2.72%
Risk based? i
Initial minimum credit limit i £250
Representative balance transfer rate i 2.72%

Foreign use credit cards

Aqua

Classic

1 stars
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 5%
Representative APR i 37.90%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 2.72%

Aqua

Advance

1 stars
Foreign purchase fee i 0%
Foreign withdrawal fee i 5%
Representative APR i 34.90%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 2.53%

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 37.90%
Risk based? i
Representative cash transaction interest rate i 3.32%

Aqua

Advance

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 34.90%
Risk based? i
Representative cash transaction interest rate i 3.14%