Aqua credit card review
What do Aqua credit cards offer?
Aqua offers credit-builder cards issued by NewDay Ltd. It currently offers two deals, the Aqua Classic and Aqua Advance.
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.
The Aqua Advance (representative 34.9% APR variable) acts similarly but offers the chance to reduce your interest rate each year with good account management.
Aqua also provides an app, text alerts, and guides to help you on your journey to improve your credit rating.
- Find out more: best credit cards for bad credit
How does Aqua compare with other providers?
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.
- Find out more: visit our best credit card providers guide to read the full survey results and compare Aqua's customer score with other companies
Is Aqua a good credit card provider?
Our survey also reveals how Aqua customers rated it across the following five categories:
| Customer satisfaction category | Aqua star rating |
|---|---|
| Customer service | |
| Application process | |
| Clarity of statement | |
| Transparency of charges and penalties | |
| Ability to manage account online or via mobile app |
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.
Your Aqua credit card questions answered
Grace, our credit card expert, answers the top questions people have about Aqua credit cards.
Does Aqua offer an eligibility check?
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.
Who owns Aqua credit card?
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.
What is the credit limit on Aqua credit cards?
Aqua's starting credit limits range from £250 to £1,200 depending on the card you go for and your credit profile.
How we review Aqua
Here's some more information about our research and the terms we use in this review.
Customer score
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.
Star ratings
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.
- Find out more: Which? symbols, logos and ratings explained
Why should you trust Which? research?
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.