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Aqua credit card review

Find out how Aqua's credit-building cards have been rated for their application process, customer service, mobile app and more in our latest credit card customer satisfaction survey.

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

What do Aqua credit cards offer? 

Aqua is a brand that offers credit-builder cards issued by New Day Ltd.

Credit-builder cards are suitable for those who have a limited credit history or struggle with debt and are keen to boost their credit score

Aqua currently offers two deals, Aqua Classic and Aqua Advance. Credit is subject to status.

Aqua Classic is a no-frills deal that 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% (variable).

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% (variable).

Aqua also provides an app, text alerts and guides to help you on your journey to improve your credit score. 

How does Aqua compare with other providers?

Aqua has come 23rd out of 25 providers 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 its rates start at 37.9% APR - well above average even in this sector.

Credit Cards
Aqua review
Which? customer score
=22nd out of 25 credit card providers
The Which? rating for customer satisfaction is 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, query handling and complaint resolution.

Aqua credit card customer satisfaction category Star rating
Customer service  

3 out of 5

Application process

4 out of 5

Clarity of statement

3 out of 5

Transparency of charges and penalties

2 out of 5

Charges for using your card abroad


Dealing with complaints and resolving problems

2 out of 5

Dealing with queries

2 out of 5

Ability to manage account online

3 out of 5

Ability to manage account by telephone banking

2 out of 5

Mobile app on a smartphone or tablet

3 out of 5


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 customer score and ratings

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

Customer scores are based on an online survey of the public conducted in May 2022, which received 6,201 responses. Participants could provide answers on up to two credit cards. 

This year’s customer score analysis is based on a sample size of 4,694 credit card experiences in total, and represents overall satisfaction as well as the likelihood to recommend the provider to a friend.

Star ratings for each category are calculated independently of the customer score.

We carry out these surveys annually and update our review pages accordingly. Providers must receive a minimum sample size of 50 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.