Aqua offers credit-builder cards issued by NewDay Ltd.
Credit-builder cards are suitable for those who have a limited credit history or struggle with debt and are keen to boost their credit score .
The Aqua Classic card (representative 34.9% APR variable) is a no-frills option that helps you build up your credit history when you use the card and pay it back each month.
Aqua also provides an app, text alerts, and guides to help you on your journey to improve your credit rating.
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Aqua achieved a customer score of 60% in our credit card satisfaction survey, placing it joint-bottom of our table, along with 118 118 Money.
Aqua specialises in lending to borrowers with a poor or limited credit history, yet its rates start at 34.9% APR — well above average even in this sector.
Our survey also reveals how Aqua customers rated it across the following five categories:
Table notes: star ratings are out of five and show levels of satisfaction for each category. We carry out this survey annually and update our review pages accordingly. Jump to the section on how we review Aqua to find out more about our research.
Grace, our credit card expert, answers the top questions people have about Aqua credit cards.
Yes - Aqua's 'Safecheck' can tell you how likely you are to get accepted for one of its cards.
Safecheck will do a soft search of your credit report, which won't affect your credit score.
Aqua finance is issued by New Day - a UK-based credit provider.
New Day is behind a range of brands including Bip, Marbles and Fluid.
Aqua's starting credit limits range from £250 to £1,200 depending on the card you go for and your credit profile.
Here's some more information about our research and the terms we use in this review.
Our customer scores for credit card companies are based on an online survey of 3,775 members of the public, conducted in October 2023.
The score is calculated using a combination of overall satisfaction with the brand and the likelihood of recommending the provider to a friend.
We also ask credit card customers to rate brands on five categories including customer service, application process, clarity of statement, transparency of charges and ability to manage the account online or via a mobile app — so you can get an idea of the quality of service you might receive before you sign up.
Star ratings for each category are calculated independently of each other and the provider customer score.
Providers must receive a minimum sample size of 40 respondents to be included in our customer satisfaction tables.
We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence for more.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms & conditions of a provider before committing to any financial products.
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