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 25th of 32 providers reviewed.

Customer happiness 51%
Customer trust 42%
Complaints performance 55%
Transparency rating 44%
Fairer Finance score
Reviewed Autumn 2019
48%

Credit cards

Cashback and reward credit cards

Aqua

Reward

2 stars
Reward extras i
Estimated amount of money customers get back in the 1st year (minus annual fee) i £95.99
Estimated amount of money customers get back after the 1st year (minus annual fee) i £95.99
Risk based? i
Annual fee after 1st year i £0
Foreign purchase fee i 0%

Credit builder credit cards

Aqua

Classic

3 stars
Representative APR i 35.90%
Representative cash transaction interest 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

3 stars
Representative APR i 34.90%
Representative cash transaction interest 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

Foreign use credit cards

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

Advance

1 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

1 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%

Money transfer credit cards

Aqua

Classic

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

Aqua

Advance

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

Aqua

Reward

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