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Credit card companies

Aqua credit card review

By Rob Goodman

Article 3 of 16

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Aqua credit card review

Find out how Aqua has been rated in our latest customer satisfaction survey.

Aqua credit card

Aqua customers gave the provider a mediocre 60% (fifth from bottom) in our credit card satisfaction survey – though were satisfied with the straightforwardness of managing its cards online. Aqua specialises in lending to borrowers with a tainted or limited credit history yet charges rates (starting at 34.9% APR) that are above average even in this sector.


Customer score

=26th out of 30 credit card providers


Aqua credit card highlights

  • The Aqua Advance and Reward cards make no additional charges for overseas spending
  • The application process and ability to manage cards online are rated well by customers
  • Customers are given free unlimited access to their credit report

Visit the Which? Money Compare credit card comparison tables to find out how they compare.

Aqua credit card satisfaction
Customer service
Keeping you up to date with new deals
Communication of changes to terms and conditions
Clarity of statement
Transparency of charges and penalties
Dealing with queries and complaints
Rewards and cash back
Ability to manage online
Ability to manage by telephone banking
Charges for using your credit card abroad

Table notes:
Star ratings out of five show levels of satisfaction for each category.
Where no stars are given, we received too few responses in our survey to award a score.

How we calculate these ratings

Credit card providers chosen for our Which? brand reviews are based on the most popular brands searched for online.

Customer scores are based on an online survey of the public, which received 5,952 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend. 

Star ratings shown for each category are scored independently of the customer score. These surveys are carried out every six months and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 respondents to be included in our customer satisfaction tables.

  • Last updated: November 2016
  • Updated by: Dean Sobers

Which? Limited (registered in England and Wales number 00677665) is an Introducer Appointed Representative of Which? Financial Services Limited (registered in England and Wales number 07239342). Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Registered office: 2 Marylebone Road, London NW1 4DF.