Join over 1 million UK customers who have chosen Aqua, a specialist brand issued by FCA-regulated lender NewDay Ltd.
What you need to know about this credit card
- Representative APR: 39.9% APR (variable) based on the Aqua Classic Card offering.
- Annual Fee: £0 annual fee, allowing you to manage your balance without recurring annual charges.
- Credit Limit: Starting credit limits range from £250 to £1,500, with potential increases based on account management.
- Eligibility Requirements: Available to UK residents aged 18 and over, subject to status and individual credit assessment.
Pros
- Credit-Building Tools: Includes free access to the Aqua Coach feature and credit score checks to track progress.
- Instant Wallet Integration: Supports Apple Pay and Google Pay for immediate spending capability upon successful verification.
- Over-the-Counter Rewards: Offers access to exclusive discounts and cashback promotions with well-known UK retail brands.
- Structured Payment Plans: Features instalment options to help spread the cost of larger purchases over fixed periods.
- Soft Search Check: The SafeCheck tool assesses eligibility in 60 seconds without leaving a mark on your credit file.
Cons
- High Purchase Rate: The representative APR of 39.9% (variable) makes carrying a monthly balance relatively costly.
- Modest Initial Limits: Starting credit limits cap at £1,500, which may be lower than standard rewards cards.
Why choose NewDay Ltd for your credit card?
Aqua offers a starting limit of £250 to £1,500 with a 39.9% APR, competing well against the Capital One Classic card which features similar credit-building terms but fewer mobile app features.
Compared to the Vanquis Classic credit card, Aqua provides superior digital convenience through immediate Apple Pay and Google Pay integration, whereas Vanquis requires waiting for physical card arrival.
While the Barclaycard Forward offers lower promotional purchase rates, Aqua delivers comprehensive financial guidance tools via Aqua Coach, making it a stronger choice for tailored credit cards to build credit.
Against the Tesco Bank Foundation credit card, Aqua stands out by enabling applicants to complete a soft eligibility check in 60 seconds without leaving a permanent footprint on their credit file.
Compared with the Zable credit card, Aqua benefits from the backing of established UK issuer NewDay Ltd, offering 24/7 fraud protection alongside access to exclusive retail savings for good credit cards.
How to Apply for Your Aqua Credit Card
If you want to improve your credit rating, getting an online credit card like the Aqua Credit Card is a practical step. Check your eligibility in 60 seconds without affecting your score before completing a full credit card application.