Compare Aqua Credit Cards

Updated: 27th July 2021

Aqua is the type of provider you want to head to if you have a less than squeaky clean credit score. It specialises in cards for people who have a poor credit history and offers them the chance to improve their score. However, bad credit or not, this brand often steps it up a notch and offers some customers cards that go beyond the basics. Here you will also find little extras such as cashback rewards and no-fee spending when abroad.

We’ve taken a look at all the cards in Aqua’s portfolio, reviewing the interest rates, fees and credit rebuilding options to come up with our favourites. Below are MyWalletHero’s picks for the top Aqua credit cards.

Check Your Eligibility

Discover a list of credit cards you may be eligible for. Only takes a few minutes and will not affect your credit score.

Find Cards

Here are MyWalletHero’s top picks for Aqua credit cards

Credit card offers from our affiliate partners appear first and are ordered from highest rating to lowest, followed by other top-rated offers. You can read more about our ratings and page sort here. Offers from affiliate partners are marked with a *.

Filter Results

Display preferences
+
Fees
+
Great for: Lowering your APR while building credit
4.5 stars question mark

Aqua Advance credit card
Read full review

The Aqua Advance Credit Card includes many of the features that make other Aqua cards great for those looking to build or rebuild credit. As an added bonus though, users of the Advance Card that stay on time with their payments will see their APR go down by 5% per year. Over time, this could bring the APR down to 19.9%.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • Stay on time with payments and APR reduces 5% per year
  • Keeping on time with payments could reduce APR to 19.9%
  • Free Aqua Credit Checker
  • No annual fee

REPRESENTATIVE EXAMPLE

Interest rate for purchases 34.95% p.a. variable
Representative rate 34.9% APR variable
Based on borrowing £1,200 over 12 months

what we like

  • Stay on time with payments and APR reduces 5% per year
  • Keeping on time with payments could reduce APR to 19.9%
  • Free Aqua Credit Checker
  • No annual fee

  • ANNUAL FEE:

    £0

  • REPRESENTATIVE APR:

    34.9%

  • INTRO OFFER:

    N/A

KEY SCORES:

  • 4/5 Perks
  • 5/5Fees
  • 4/5APR

HIGHLIGHTS

  • Stay on time with payments and APR reduces 5% per year
  • Keeping on time with payments could reduce APR to 19.9%
  • Free Aqua Credit Checker
  • No annual fee

REPRESENTATIVE EXAMPLE

Interest rate for purchases 34.95% p.a. variable
Representative rate 34.9% APR variable
Based on borrowing £1,200 over 12 months
Show More
Great for: Building credit
2.5 stars question mark

Aqua Classic credit card
Read full review

The Aqua Classic credit card is one of the more straightforward credit cards for bad credit, open to those with a bad credit history, money problems in the past or on low incomes, as well as the self-employed. The maximum initial credit limit is £1,200, although if you handle your card sensibly Aqua may increase this pretty quickly. Extra features can also help you understand your credit score, and make every monthly payment.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • No annual fee
  • Text reminders for payments

REPRESENTATIVE EXAMPLE

Your interest rate for purchases is 37.95% p.a. variable
With a representative 37.9% APR variable
If you borrowed (over 12 months) £1,200

what we like

  • No annual fee
  • Text reminders for payments

  • ANNUAL FEE:

    £0

  • REPRESENTATIVE APR:

    37.9%

  • INTRO OFFER:

    N/A

KEY SCORES:

  • 1/5 Perks
  • 5/5Fees
  • 2/5APR

HIGHLIGHTS

  • No annual fee
  • Text reminders for payments

REPRESENTATIVE EXAMPLE

Your interest rate for purchases is 37.95% p.a. variable
With a representative 37.9% APR variable
If you borrowed (over 12 months) £1,200
Show More

More ways to compare credit cards

Top-rated credit card picks by category

Top-rated credit card picks by issuer

The Motley Fool receives compensation from some advertisers who provide products and services that may be covered by our editorial team. It’s one way we make money. But know that our editorial integrity and transparency matters most and our ratings aren’t influenced by compensation. The statements above are The Motley Fool’s alone and have not been provided or endorsed by bank advertisers. The Motley Fool has recommended shares in Lloyds, Tesco and Barclays.