Aqua | Classic credit card

645 reviews

35.9% Representative

Purchase rate: 35.9%

Representative example:

Representative Example: 35.9% standard purchase rate p.a (variable). 35.9% representative APR (variable). Based on credit limit of £1,200

Aqua | Classic credit card customer reviews.

645 reviews

4.4 out of 5 stars

Great product easy to apply for!
11:18 17-11-2016
ImageChoose Wisely

Very happy with my first credit card for six years! I wanted a product to help rebuild my credit status and this fits the bill perfectly! Aqua have increased my limit as promised which will also reflect in my credit score. Easy to manage accounts online through App, overall I'm delighted with product and service.


Lie and Cheat to Steal your Money
23:17 15-05-2018
ImageSmart Money People

As seen in the title this company will lie and cheat to take your money. Even provided a recording of a call showing them giving false information they wont ever admit fault. There are far far better companies out there choose any of those.


Great credit card for travel and everyday use
16:08 01-06-2017
ImageSmart Money People

I really like that I can use my Aqua credit card abroad knowing that I won't incur any extra fees. The online app is great - I use it to keep track of my spending and I receive a text and email when my statement is ready.

Odette Carter

Great card
20:26 07-05-2017
ImageSmart Money People

Took a coupe of weeks to arrive after acceptance but other than that I have never had a problem. I do wish my card was contactless though

Kelly Miller

Easy fast and fair
09:47 29-04-2017
ImageSmart Money People

I have an aqua credit card and they are brilliant they offered me the largest credit limit and I get a text every month if any charges or interest will make me exceed my limit and it is done before they take it so I find them fair the whole application process is fast and payments appear on the account quicker than the others I have overall highly recommended


16:01 12-02-2017
ImageSmart Money People

Claim you havent paid when they know full well that you have. Keep hold your cheque so that they can charge you interest because acording to them you have missed the payment due fraudsters.dont open a card with them.

lynne smith

Our review of Aqua | Classic credit card

The Classic card is aimed at customers who may have had problems with their credit in the past, and now want to work towards improving it. Although they do cap the credit limit to £1,200 to begin with, aqua might increase this after four months, as long as you make your payments on time and keep under your initial credit limit. The Classic card’s representative APR is towards the higher end of the Choose Wisely table, however, as they accept customers that may have a blemish or two on their credit history, this is to be expected.

There is an interest free period of 48 days for purchases made with aqua’s Classic card as long as you pay the full balance on your current statement on time. However, there is no interest free period on cash advances or balance transfers. Watch out when making repayments, if you make a late payment or go over your limit you’ll have to pay a charge of £12. You should be kept up to speed with your payments though as you’ll receive a text from aqua a few days before your due date and you can check your balance using the online management portal.

Online they have been granted a '4 star’ rating from TrustPilot.

Overall verdict: aqua’s Classic card is a suitable option for those with poor credit history who are looking to rebuild their credit file. However be sure to manage your repayments and clear your balance each month. If not, interest will be charged on any outstanding balance and you’ll be subject to fees for exceeding your credit limit or making late payments.

Written by: Alex


  • 48 day interest free period
  • Credit limit may be increased after 4 months
  • Text reminders so you don’t miss a payment
  • Can improve your credit rating if you manage your finances well
  • 24 hour customer helpline
  • Free aqua credit checker

Minimum criteria

  • You must be aged over 18
  • You need to have a permanent UK address
  • No bankruptcy in the last 18 months
  • You need to have a UK bank or building society account
  • No CCJs in the last year
  • No aqua and/or marbles card in the last year


  • Maximum APR %
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

About Aqua | Classic credit card

aqua’s Classic card has an initial credit limit between £250 and £1,200 until customers have proved themselves to be able to pay on time and keep to their limit. The representative APR is 35.9% for an assumed spend of £1,200 to be repaid over one year. There is no annual fee for the Classic credit card, however you will be charged a fee of £12 if you have a late payment or go over your limit.

The Classic card from aqua is aimed towards customers who want to repair or improve their credit by keeping within the limit and making payments on time. This means that they do accept customers that have less than perfect credit as long as you haven’t declared bankruptcy in the last 18 months, or had a CCJ within the last year.

aqua allow Classic card customers to keep an eye on their balance using the online account management portal, which also allows you to change your payment date or repay some of your balance.

Company information

Registration number: 7297722


2 Pancras Square, London, N1C 4AG

FCA registration

Reference No: 690292

Trading names: Aqua Start, Aqua Advance, Aqua First, Aqua Gold, Aqua Reward, Aqua Classic

Place of business: 2 Pancras Square, London, N1C 4AG

Data protection registration

Registration No: Z272680X

Data controller: NewDay Ltd

Address: 2 Pancras Square, London, N1C 4AG

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