Aqua | Classic credit card

644 reviews

35.9% Representative

Purchase rate: 35.95%

Representative example:

Representative Example: The standard interest rate on purchases is 35.95% p.a. (variable), so when borrowing £1,200 the Representative APR will be 35.90% (variable).


Aqua | Classic credit card customer reviews.

644 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.


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

Excellent for improving your credit score
16:34 30-05-2017
ImageSmart Money People

I've had an excellent service from New day. All charges are clear and the app is really handy to keep a track of your spending and payment history

Jennifer Condra

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


Great for building credit history and when others say 'no'.
17:15 26-08-2015
ImageSmart Money People

If, like me, you've moved fairly recently to the UK and have had to start your credit and banking history from scratch, the Aqua Advance Credit Card is a good starting point. They say 'yes' where others say 'no' - probably best to try credit card application simulators to check your chances of getting accepted by any provider before collecting too many hits on your credit history. Applying and using your card is really simple and you'll get text and email reminders to pay your statement on time. The website is not the most intuitive of all, but after searching around a bit, you'll usually find what you need. After half a year of using the card responsibly and paying in full every month I asked for a credit limit increase which was promptly granted. The rates are very high, but if you always pay in full, it doesn't make that much difference since you're not paying them anyway. And in the meantime you'll be able to build your credit history and make way for getting better deals down the road.


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.

For such a well-known name, aqua have achieved a fairly average OPTIOSCORE. Online they have been granted a ‘poor’ rating from TrustPilot, this isn’t specific to the Classic card and instead the company as a whole. Customers have experienced very dissatisfactory customer service, cards being blocked or declined easily and online accounts suspended at random.

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
  • Online account manager
  • Accepted at over 35.9 million places across the world
  • 24 hour customer helpline

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

FCA registration

Data protection registration

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