Aqua Credit Cards

Aqua credit cards are specifically designed to help customers with 'bad credit', or unusual financial circumstances, improve their credit status. They offer a range of products featuring unique customers benenfits, including; traditional credit building, cashback, and even cards whose interest is reduced in response to good credit management. Compare the Aqua credit cards below and get the right credit card for you.

 APPLY ONLINE

Credit Needed
Bad
  • Free Aqua credit checker - £250 - £1,200 Credit limit
  • Aqua accept people who have had CCJs or are on a low income
  • Aqua has said YES to over 750,000 customers in the UK
  • Text reminders, so you need never miss a payment
  • You must be a UK resident, without CCJs in the past 12 months
  • Must not have taken out a Marbles card in the past 12 months
  • Purchases
    Intro
    n/a
    Minimum
    Credit Limit
    £250
    Maximum
    Credit Limit
    £1,200
    Cash Advance
    Rate
    39.94%
    APR
    Representative APR (variable)
    29.7%
    APR

Representative Example: 29.7% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 29.71% p.a. (variable)

 APPLY ONLINE

Credit Needed
Bad
  • Free Aqua Credit Checker
  • Opportunity to reduce your APR to 19.9% simply for making payments on time and keeping to your credit limit
  • No fees on your purchases abroad, making this the card for your holiday
  • Aqua accept applications from people who have had CCJs or are on a low income
  • Aqua has said YES to over 750,000 customers in the UK
  • You must be a UK resident, without CCJs in the past 12 months
  • Must not have taken out a Marbles card in the past 12 months
  • Purchases
    Intro
    n/a
    Minimum
    Credit Limit
    £250
    Maximum
    Credit Limit
    £1,200
    Cash Advance
    Rate
    39.94%
    APR
    Representative APR (variable)
    34.9%
    APR

Representative Example: 34.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 34.91% p.a. (variable)

 APPLY ONLINE

Credit Needed
Bad
  • 0.5% cashback on all purchases
  • Free Aqua credit checker
  • No fees on your purchases abroad, making this the card for your holiday
  • Good if you are new to credit or rebuilding your credit score with previous County Court Judgements
  • Start with a credit limit of £250-£1,200 and you could get an increase on your 4th statement
  • Aqua has said YES to over 750,000 customers in the UK
  • You must be a UK resident, without CCJs in the past 12 months
  • Must not have taken out a Marbles card in the past 12 months
  • Purchases
    Intro
    n/a
    Minimum
    Credit Limit
    £250
    Maximum
    Credit Limit
    £1,200
    Cash Advance
    Rate
    39.94%
    APR
    Representative APR (variable)
    34.9%
    APR

Representative Example: 34.9% APR representative (variable) based on a credit limit of £1,200 and a purchase rate of 34.91% p.a. (variable).

 APPLY ONLINE

Credit Needed
Bad
  • Free Aqua credit checker
  • A credit limit of £100 to £300 that could increase after 4 months if you make your payments on time and keep to your credit limit
  • Applications accepted from people who have had CCJs or are on a low income
  • Aqua has said YES to over 750,000 customers in the UK
  • Personalised and practical tips on how to improve your credit score
  • You must be a UK resident, aged 18 years or over, not registered as bankrupt in the past 18 months, no CCJs in the last 12 months, and have not taken out a Marbles card in the past 12 months
  • Purchases
    Intro
    n/a
    Minimum
    Credit Limit
    £100
    Maximum
    Credit Limit
    £300
    Cash Advance
    Rate
    59.95%
    APR
    Representative APR (variable)
    49.9%
    APR

Representative Example: 49.9% APR representative (variable). Based on a credit limit of £300 and a purchase rate of 49.94% p.a. (variable)

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About Aqua Credit Cards

Aqua credit cards have been available in the UK since 2002; since when they have developed a range of different card propositions. Although these products all offer different and varied functionality (from cash back to 0% purchases), they have all been designed to appeal to people with poor credit or unusual credit circumstances that most other lenders would be unwilling to accept. Indeed, having accepted over one million applicants, Aqua have become known as something of a specialist lender to overlooked people who are perhaps unemployed, self-employed or do not have a regular income.

Although Aqua considers circumstances that other card issuers might find prohibitive, they still operate in the same robust regulatory framework as other UK card issuers. As such, products are not available to non-resident individuals, people under the age of 18, and people who would be overindebted if offered additional borrowing.

Of course, accepting people who might be declined by another credit card issuer means Aqua expose themselves to greater lending risk than many of their competitors, which is somewhat reflected by the fact that the APR's can be higher than others. However, that is not to say that Aqua customers with a mature approach to credit management needlessly lose out on better rates available elsewhere, since Aqua products are available that reward good management with a reduced interest rates.

Aqua card features

Aside from the general convenience that obtaining a credit card has, Aqua cards also offer certain additional bespoke features to their card holders.

Aqua Secure

Aqua Secure is an online fraud prevention system that uses requires users to complete additional security checks to complete card-not-present online transactions. These checks help prevent fraudulent card use, which could lead to increased charges for customers if left unchecked.

Aqua Credit Checker

The Aqua credit checker is available to all Aqua card holders and offers them free unlimited access to their CallCredit credit report, together with alerts and tips for improving their credit score.

Aqua Mobile App

Available on both Apple and Android devices, the Aqua mobile application allows Aqua card holders to check and manage their account quickly from their mobile phone. App users can quickly see their latest transactions, check their total balance and available credit, and make secure payments to Aqua.