Aqua Credit Cards Review

Compare Aqua credit cards – read our review and compare the features and benefits available from Aqua. We can help you to make an informed decision and find a card that suits you.

Aqua credit cards have been uniquely designed for people that have been refused credit cards in the past for a number of reasons. These reason can vary greatly, as shown below:
  • self employed and cannot prove a regular income
  • a home-maker or full-time carer
  • a part-time worker or earning a low income
  • unemployed
  • at a new address or not on the electoral roll
  • new to credit. with no credit history
  • a student
  • recently moved to the UK
  • have a bad credit history
As a specialist lender, Aqua will consider your application no-matter what your financial situation may be, helping you to prove yourself and build a new credit history.

Aqua credit cards still come with some great benefits, which includes a MasterCard with no annual fee, credit limits of up to £2,200, up to 51 interest free days credit on purchases and pay no interest if you pay your balance off in full every month.

Aqua Classic Card


Credit Limits up to £1,200 (Subject to status).
Each application is judged individually.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 29.7% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 29.7% (variable) your Representative APR will be 29.73% (variable).
Annual Rates
Balance Transfers: 29.7% p.a. (variable)
Balance Transfer Fee: 3%
Cash Advance: 39.94% p.a. (variable)
Standard Features
Credit Limit: up to £1,200
Interest Free Days: Up to 51 days
On-Line Banking: Yes
Approval Criteria
  • Self-employed and unable to prove a regular income
  • Working part time
  • Full time mum or dad
  • On a lower income
  • New to the country or recently moved
  • Not on the electoral roll at your current address
  • Never had credit before
  • Affected by previous County Court Judgments (CCJs) or defaults