Aqua | Reward credit card

7438 reviews

Representative 34.9% APR

Purchase rate: 34.9%

Representative example:

Representative Example: 34.9% standard purchase rate p.a (variable). Based on credit limit of £1,200.

Aqua | Reward credit card customer reviews.

7438 reviews

4.0 out of 5 stars


  • 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
  • 0.5% cashback on purchases
  • No extra fees when you spend abroad
  • 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: 34.9%
  • Balance Transfer Fee: £3
  • Purchase Rate: 34.9%
  • Fee Amount: £3
  • Representative APR: 34.9%

About Aqua | Reward credit card

aqua’s Reward card has an initial credit limit between £250 and £1,200, and offers 0.5% of spending as cashback, up to a total of £100, which is paid out annually. The representative APR is 34.9% for an assumed spend of £1,200 to be repaid over one year. There is no annual fee for the Reward credit card, however you will be charged a fee of £12 if you have a late payment or go over your limit.

The Reward 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 Reward 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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