Aqua | Start credit card

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49.94% Representative

Purchase rate: 49.94%

Representative example:

Representative Example: The standard interest rate on purchases is 49.94% p.a (variable) with a representative 49.9% APR variable so when borrowing £300 the Representative APR will be 49.9% (variable).

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  • You don't need to have a good credit history
  • Manageable credit limit between £100 and £300
  • Payment reminders via text
  • Online account control
  • Free access to your credit report

Minimum criteria

  • No interest-free period on purchases
  • No pre-application eligibility checker
  • You must be over 18 to apply
  • No CCJs in the last 12 months
  • You must be a current UK resident


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

About Aqua | Start credit card

Aimed at customers who have never had a credit card in the UK before, the aqua Start credit card has a higher APR than many on the market, but is more likely to accept customers with a less-than-perfect credit history.

aqua’s Start card has an initial credit limit between £100 and £300. The representative APR is 49.9% for an assumed spend of £300 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 Start card from aqua is aimed towards customers who want to repair or build 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 Start 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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