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.

Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.

Credit cards

3 products reviewed

Credit builder credit cards

1 product reviewed

Aqua

Classic

Feature Value
Representative APR
39.9%
Representative cash transaction interest rate
3.433%
Representative purchase rate
2.884%
Risk based? Yes
Initial minimum credit limit
£250.00
Foreign use credit cards

1 product reviewed

Aqua

Classic

Feature Value
Representative APR
39.9%
Foreign purchase fee
2.95%
Foreign withdrawal fee
5%
Number of days before interest is charged on non-sterling cash transactions
0 days
Money transfer credit cards

1 product reviewed

Aqua

Classic

Feature Value
Money transfer rate during promotional period
N/A
Duration of money transfer offer period
N/A
Money transfer fee during promotional period
N/A
Representative APR
39.9%

Our unique Customer Experience Ratings help consumers find companies that offer a good service.

Credit cards

Ranked 28th of 33 providers reviewed

Customer happiness score 46.81%
Customer trust score 48.47%
Complaints performance 66.26%
Transparency rating 65.98%

Fairer Finance Score

Reviewed Autumn 2026

 56.88%