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Aqua credit card review

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

In this article
Aqua credit card highlights Aqua credit card customer rating Aqua's ratings broken down How we calculate Aqua's ratings

Aqua credit card highlights

  • The Aqua Advance and Reward cards don't charge fees on overseas spending
  • Rated as fair for dealing with queries and complaints
  • Customers are given free unlimited access to their credit report

Aqua credit card customer rating

Aqua customers gave the provider a low score 62% (bottom) in our credit card satisfaction survey. Aqua specialises in lending to borrowers with a poor or limited credit history yet charges rates (starting at 34.9% APR) that are above average even in this sector.


Customer score

=29th out of 29 credit card providers


Visit the Which? Money Compare credit card comparison tables to find out how Aqua compares.

Aqua's ratings broken down

Aqua credit card satisfaction
Customer service
Application process
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
Dealing with complaints
Rewards and cash back
Ability to manage online
Ability to manage by mobile app
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 Aqua's 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 6,741 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 annually and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 respondents to be included in our customer satisfaction tables.