Aqua Classic credit card review

2 min Read Published: 28 Mar 2024

Aqua Classic Credit CardIn this review, we look at the Aqua Classic credit card which is available to those with poorer credit, who can use it to improve their credit profile in the future.

It is open to those who haven't had a CCJ in the past 12 months and haven't been declared bankrupt in the past 18 months.

Key facts about the Aqua Classic credit card

  • Best for: Those looking for a basic card with a good mobile app to help manage it
  • Introductory offer: No introductory offers
  • Representative APR: 34.90% variable
  • Fees: No annual fee
  • Perks: Access to Aqua Coach, which can help you improve your credit score

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  • 26.5% APR Representative (variable)

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Pros of the Aqua Classic credit card

  • It is interest-free for 48 days if you pay off the balance in full on time each month.
  • The card allows you to build your credit rating if you use it sensibly.
  • The mobile app makes it easy to manage the card, especially when using text alerts to remind you to make payments.

Cons of the Aqua Classic credit card

  • Maximum initial credit limit is £1200, although this is subject to status and it could be as low as £250.
  • Higher APR than is typically found on cards aimed at those with a higher credit score.
  • The cash transaction fee is worth 5% of the transaction.

How to manage your payments on the Aqua Classic credit card

Cardholders can manage their account online or on the mobile app.

How to find out which credit card is best for you

You can use Money to the Masses partner Creditec* to quickly build a list of the credit cards that match up with your needs. By simply adding in a few basic details, you will get a tailored collection of the best credit cards for you. You can use your Creditec results to check how likely you are to be accepted for a certain card, which cards available to you offer the best rewards or find out what option will leave you with the lowest fees to pay. Creditec is able to check your eligibility without running a full credit check, which means your credit score will not be affected. Click this link to start your comparison*.

How to apply for the Aqua Classic credit card

Aqua has an online eligibility checker to give you a good idea of whether you are likely to be accepted for the card, without the search appearing on your credit record.

Alternatives to the Aqua Classic credit card



If a link has an * beside it this means that it is an affiliated link. If you go via the link Money to the Masses may receive a small fee which helps keep Money to the Masses free to use. But as you can clearly see this has in no way influenced this independent and balanced review of the product.