Compare Aqua credit cards

If you’ve never borrowed before, are self-employed and finding it hard to prove a regular income, or have a poor credit score - you might find it hard to get accepted for a regular credit card.

Aqua were set up back in 2002 with the specific intention of providing credit cards to people needing help to repair or build their credit scores. Since then, they’ve issued over a million cards to customers.

If you’re in this situation, you may well want to take a look at aqua. To save you doing the digging around, simply read on.

aqua Credit Cards

We’ve a whole section of our credit card comparison page dedicated to credit building credit cards and you’ll find aqua cards listed here.

aqua have designed a series of cards to satisfy specific customer needs.

The aqua Classic card comes with a credit limit that starts at between £250 and £1,200 depending on your circumstances. This could be increased after four months if you’ve managed your account well. The interest rate on purchases on this card is 29.7% APR.

The aqua Advance credit card has similar credit limits as the Classic card and they’ll also be reviewed after four months. This card starts with a higher interest rate of 34.9% APR. However, if you show aqua that you will repay the card on time each month, this could reduce to a rate of 19.9% - much closer to regular cards.

The aqua 0% on Purchases card gives you the ability to pay no interest on any purchases made for the first four months. After this the card reverts to an interest rate of 34.9% APR, so make sure that you pay off those purchases before the period expires. Like the Classic card, the 0% card offers starting credit limits of between £250 and £1,200 which will be reviewed after four months.

The aqua Reward credit card has the same approach to credit limits as the other cards. This card has an interest rate of 34.9% APR but does have the advantage of offering you 0.5% cash back on all your purchases. Nice to have, but make sure you pay off the card on time each month otherwise your interest will more than offset any cashback you’ve earned.

The aqua Start credit card is for those just starting out at building their credit score. Credit limits are set low at around £100 to £300, but they might be increased after a few months. Interest is 49.9% APR so it’s really important to pay off your balance on time each month or interest and charges will increase your debt significantly.

Compare other cards

Before committing to a new aqua card, we’d suggest that it’s worth doing a credit card comparison of other credit building cards, just to make sure you’re getting the best deal.

Try it today by using our credit card comparison service and find the right card for you.

All Aqua credit card details are based on information provided to on 27 October 2016.

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