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Aqua credit card review

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

In this article
What do Aqua credit cards offer?  How does Aqua compare to other providers? Is Aqua a good credit card provider?
Which Aqua credit card is best? How we calculate Aqua's customer score and ratings Aqua credit card FAQs

What do Aqua credit cards offer? 

Aqua specialises in credit-builder cards, which range from no-frills deals to cashback and fee-free overseas spending offers.

Its deals are designed to improve your credit rating, so you also have free unlimited access to your credit report to monitor your score.

How does Aqua compare to other providers?

Aqua has come second from bottom in our latest credit card satisfaction survey, with customers giving the brand a score of 60%.

Aqua specialises in lending to borrowers with a poor or limited credit history, yet charges rates starting at 34.9% APR - well above average even in this sector.

Credit Cards
Aqua review
Which? Customer Score
28th out of 29 credit card providers
60%
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.
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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 and query handling.

Aqua credit card satisfaction

 

Star rating
Customer service

3 out of 5

Application process 3 out of 5
Clarity of statement 3 out of 5
Transparency of charges and penalties

2 out of 5

Dealing with queries 3 out of 5
Dealing with complaints 3 out of 5
Ability to manage online 3 out of 5
Ability to manage by mobile app 3 out of 5
Ability to manage by telephone banking

2 out of 5

Charges for using your credit card abroad

2 out of 5

Which Aqua credit card is best?

You can explore the best Aqua credit-builder, cashback and overseas spending card deals using Which? Money Compare.

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  5,621 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 ‘Fastcheck’ can tell you how likely you are to get accepted for one of its cards.

FastCheck 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 (or between £100 and £300 on Aqua Start) 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.

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