Aqua

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.

But always use these cards with care, as they charge high rates of interest.

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

Aqua
Visit provider's website

We don't get paid for any links on our site.

Credit cards

Ranked 28th of 34 providers reviewed.

Customer happiness 48%
Customer trust 40%
Complaints performance 58%
Transparency rating 48%
Fairer Finance score
Reviewed Spring 2019
48%

Credit cards

Cashback and rewards

Aqua

Reward

3 stars
Reward extras i
Estimated amount of money customers get back in the 1st year (minus annual fee) i £100
Estimated amount of money customers get back after the 1st year (minus annual fee) i £100
Risk based? i
Annual fee after 1st year i £0
Foreign purchase fee i 0%

Credit builder

Aqua

Classic

4 stars
Representative APR i 35.90%
Representative cash transaction rate i 3.20%
Representative purchase rate i 2.59%
Risk based? i
Representative balance transfer rate i 2.59%
Initial minimum credit limit i £250

Aqua

Advance

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

Aqua

Start

3 stars
Representative APR i 49.90%
Representative cash transaction rate i 3.99%
Representative purchase rate i 3.43%
Risk based? i
Representative balance transfer rate i 3.43%
Initial minimum credit limit i £100

Foreign use credit cards

Aqua

Advance

2 stars
Representative APR i 34.90%
Foreign purchase fee i 0%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 2.53%

Aqua

Reward

2 stars
Representative APR i 34.90%
Foreign purchase fee i 0%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 2.53%

Aqua

Classic

1 stars
Representative APR i 35.90%
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 2.59%

Aqua

Start

1 stars
Representative APR i 49.90%
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 3.43%

Money transfers

Aqua

Classic

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 35.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 3.20%

Aqua

Advance

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 34.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 3.14%

Aqua

Reward

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 34.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 3.14%

Aqua

Start

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 49.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 3.99%