Aqua | Classic credit card

75 reviews

Representative 37.9% APR

Purchase rate: 37.9%

Representative example:

Representative Example: 37.9% standard purchase rate p.a (variable). Based on credit limit of £1,200

Aqua | Classic credit card customer reviews.

75 reviews

3.9 out of 5 stars

Increase in interest rate despite never missing a payment!
13:46 19-06-2021
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**AVOID AT ALL COSTS!** Original rate of 25.677% recently increased to 31.212% in June despite never missing a payment and a fairly good score! They say they reduce interest rates over the years you have it so they are misleading customers with a blatant lie. I am lucky I am in a 0% until December where I will have paid it all off and will ditch them. They are raising the rates to squeeze more money from those who cannot pay off the card in full during the pandemic, it shows just how disgustingly greedy they are! Come 2022 you will have lost a long time customer!

M Barton

Not very good
10:25 15-07-2020
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Lowered my limit and told me I couldn't have it put back to my previous limit despite never missing a payment. Sent me a new card at random that never worked so I just carried on using the old one. When I rang up to get a contactless card I was told my old card would be stopped and I wouldn't have a credit card for up to 14 days.

Maurice Coates

Poor customer service
20:28 25-09-2019
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Its amazing how they increase minimum payment each month even though you stop using the card. Than if you are late for payment , they cut you limit, report you to credit agencies and treat you badly over the phone. One of the worst i spoke with was called Briam- never listened what i had to say, cut me in the middle of sentence never listened. Refused to transfer me to someone else by saying "nobody is available " and then tried to offer me option to pay to him.. i starter to explain- he was saying ya ya ya... like yup yup yup... i ended call... was devasted after this call even though i called to make a payment . Only reason why i gave 3 stars is girl called Lauren, she listened , put herself in my shoes ,tried to help me in everyway and finally made payment to her. Simply she is doing amazing job why i had to write this positive review about her.


Very good
16:35 25-09-2019
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I have my card for 2 years and it's great ways to managing finances.


Don't be an idiot
11:28 21-07-2019
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Pay off on time, don't go over your limit. Perfectly simple and it's worked perfectly for me. I get regular credit increases and now my limit is over even what my amex offers me, plus a bit of cashback on the side. Cant fault it

James Ringwood

08:03 03-04-2019
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After having seriously bad credit and not being able to obtain anything aqua gave me £250 limit, its easy to manage, and helps me get my credit back in line. :)


Good for building your credit up
23:02 12-09-2018
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It help you to get by went you need it in a emergency


Great credit card
23:01 11-01-2018
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I took out this card when shopping on Amazon and Aqua Card offered a £20 gift card. You receive the gift card in your 3rd statement month. I had not received mine so I contacted them by email. They apologised and said there must have been a problem with the email (they send the gift card code by email) and in addition to that said they would credit my aqua card with £10 because of the email problem. It is easy to access your online account which includes statements and allows you to pay by direct debit.

Barbara Hoblin

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.

Andrew Freelander
Written by
Andrew Freelander
Brand & Content Manager at Choose Wisely

Andrew joined Choose Wisely 5 years ago, originally working in a design capacity to make sure the website was simple to use. Most notably he worked with the Consumer Finance Association to design the comparison table of choice for High-Cost Short Term Finance products.


  • 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


  • Introductory Balance Transfer Rate: 0%
  • Introductory Purchase Rate: 0%
  • Balance Transfer Rate: 35.9%
  • Balance Transfer Fee: £3
  • Purchase Rate: 37.9%
  • Fee Amount: £3
  • Representative APR: 37.9%

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


7 Handyside Street, London, England, N1C 4DA

FCA registration

Reference No: 690292

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

Place of business: 7 Handyside Street, London, England, N1C 4DA

Data protection registration

Registration No: Z272680X

Data controller: NewDay Ltd

Address: 7 Handyside Street, London, England, N1C 4DA

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