aqua Credit Card

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  • Cash Advance Fee:
  • Cash Advance Rate:
  • Late Payment Fee:
  • Representative APR:
  • Standard Balance Transfer Fee:
  • Standard Balance Transfer Rate:
  • Standard Purchase Rate:
  • 3%
  • 39.95% p.a.
  • £12.00
  • 35.9% p.a. variable
  • 3%
  • 35.95% p.a.
  • 35.95% p.a.


  • A great card to rebuild your credit score

  • Open to applicants with a poor or non existent credit history

  • Comes with a reasonable credit limit


  • Higher than average fees

Best Features of the aqua Credit Card

Our Review

If you want to repair your credit or establish credit, then aqua credit card is definitely worth considering. While it doesn’t offer the best purchase rates, it still beats a lot of the other credit card options for “risky” clients. The aqua credit card isn’t a good choice for balance transfers. But, if you are responsible and pay off your purchases each month, then it can help you build up good credit and be eligible for better credit card deals in the future.

Who it’s for

The aqua credit card is the choice for people with poor or no credit. You can even apply if you have red flags on your credit report or County Court Judgments. If you don’t have a regular income, have a low income, are a student, have just moved to a new address, or have previous bad credit, then the aqua card was set up with you in mind.


The requirements for an aqua card are very low. You must be at least 18 years old and reside in the UK. Even if you have bad or now credit, you may still be eligible.

Balance transfers

There is a 3% balance transfer fee. After that, you will immediately begin paying interest at the rate of 35.95% p.a. on balance transfers. Since the interest on balance transfers is so high and there are no interest free introductory periods, this card is not a good choice for consolidating your debt.


The rate for purchases is 35.95% p.a.. While this is far from the best rate available, it is better than many credit cards for people with low/no credit. There are no introductory interest free periods on purchases. However, if you pay your total balance each month, then you won’t pay any interest. This makes Aqua Card a good choice for responsible users. The minimum monthly payment is any interest, any default charges, and 1% of your balance. If you only pay the minimum balance though, those interest fees are really going to add up quickly so make sure you at least pay the minimum because there are late payment fees of £12.00.

Cash advances

It is possible to use the card to withdraw cash from an ATM, but it does come at a cost. There is a cash advance fee of 3% and then you will immediately pay 39.95% p.a. on the amount withdrawn. This is significantly higher than the industry standard, so you should only use this feature in emergencies!

Security & fraud protection

As a MasterCard branded card, the aqua credit card has advanced protection features to make sure your privacy and security are kept safe. Your aqua card will have a chip to make transactions secure and a security code for safe shopping via telephone or online. One of the unique aspects of the aqua card is that it has a unique PIN code, which will arrive in the mail several days after you receive your card. This PIN code ensures that only you can make purchases with your card. If you purchase the Card Care insurance for £18 per year, you will receive coverage for unauthorised purchases as well as other coverage like emergency communication costs, emergency travel documents, and more.


The aqua credit card doesn’t have too many selling points because it is designed for people who have few credit card options due to a bad credit rating or having no credit history. We definitely do not recommend it for balance transfers due to the high interest rates and lack of introductory rates. However, if you are a responsible credit card user and pay off your balance every month, it can be a great way to build up your credit history. Just make sure you are always paying off at least the minimum because the late fees can really add up!