Coronavirus Read our latest advice

We use cookies to allow us and selected partners to improve your experience and our advertising. By continuing to browse you consent to our use of cookies. You can understand more and change your cookies preferences here.

Aqua credit card review

Find out how Aqua has been rated for its application process, customer service, mobile app and more in our latest credit card customer satisfaction survey.

In this article
Coronavirus (COVID-19) credit card update What do Aqua credit cards offer?  How does Aqua compare to other providers? Is Aqua a good credit card provider?
Which credit-builder credit cards are best? How we calculate Aqua's customer score and ratings Aqua credit card FAQs

Coronavirus (COVID-19) credit card update

The Financial Conduct Authority (FCA) wants lenders to continue to offer payment holidays on credit cards, loans and other finance agreements in a bid to help ease the financial hardship caused by the coronavirus outbreak.

Keep on top of the latest news and advice related to the COVID-19 pandemic with Which?

What do Aqua credit cards offer? 

Aqua specialises in credit-builder cards, which are designed to improve your credit rating.

It currently offers two deals, Aqua Classic and Aqua Advance.

Aqua Classic is a no-frills deal which allows you to build up your credit score when you use the card and pay it back each month. The representative APR is 37.9%.

Aqua Advance offers the chance to reduce your interest rate each year with good account management. This deal also offers fee-free spending abroad and access to your credit report via CreditView. The representative APR is 34.9%.

How does Aqua compare to other providers?

Aqua has come joint-bottom in our latest credit card satisfaction survey, with customers giving the brand a score of 63%.

Aqua specialises in lending to borrowers with a poor or limited credit history, yet its rates start at 37.9% APR - well above average even in this sector.

Credit Cards
Aqua review
Which? Customer Score
=29th out of 30 credit card providers
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Become a member to see more scores
  • Unlock more money saving tips.
  • Get access to new money reviews
  • See the best mortgages available to you
£5 for first month then £9.99/month unless cancelled

Is Aqua a good credit card provider?

Our survey also reveals how Aqua customers rated the provider across 10 categories. 

Find out in the table below how Aqua scored for its application process, online account management, telephone banking, mobile app, statement clarity, transparency of charges, overseas usage fees, customer service, query handling and complaint resolution.

Aqua credit card satisfaction ratings


Star ratings

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.

Customer Service

3 out of 5

Application Process

3 out of 5

Clarity of Statement

3 out of 5

Transparency of charges and penalties

3 out of 5

Dealing with queries

2 out of 5

Dealing with complaints

3 out of 5

Ability to manage online

3 out of 5

Ability to manage by mobile app

4 out of 5

Ability to manage by telephone banking

3 out of 5

Charges for using your credit card abroad

3 out of 5

Which credit-builder credit cards are best?

Aqua is one of many credit card providers that cater to those with bad credit.

Below are the top five providers for credit-builder cards. The links take you through to Which? Money Compare where you can find out more about the deal.

How we calculate Aqua's customer score and ratings

We pick credit cards to feature in Which? brand reviews based on the most popular brands searched for online.

Customer scores are based on an online survey of the public, which received 6,537 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend.

Star ratings 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.


Aqua credit card FAQs


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.


Where can I use an Aqua credit card?


Aqua credit cards run on the Mastercard network, so will be accepted in millions of places in the UK and abroad.


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.

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.