Aqua Credit Card — 39.9% APR, Credit Limits, Payments & Alternatives
Aqua is a UK credit-builder credit card brand from NewDay Ltd, aimed at people with limited or poor credit history. Giraffy lists the Aqua Classic Mastercard: 39.9% representative APR (variable), no annual fee and a starting credit limit of £250 to £1,500, with the option of limit increases over time. Aqua's eligibility checker gives a response in about 60 seconds without affecting your credit score. Among the 10 credit-builder cards on Giraffy, APRs run from 29.9% (HSBC Classic, Zable) to 48.9% (thimbl), so Aqua sits towards the higher end — the card works best if you clear the balance in full each month.
Live offers
- Aqua Classic
| Parent | NewDay Ltd (also issues marbles) |
|---|---|
| Card listed | Aqua Classic Mastercard |
| Representative APR | 39.9% (variable) |
| Annual fee | £0 |
| Starting credit limit | £250 to £1,500 |
| Eligibility check | Response in ~60 seconds, no impact on your credit score |
| Products | Credit-building credit cards |
| Best for | UK residents building credit |
| Alternatives | Capital One, marbles (NewDay), Zable, HSBC Classic |
Best for
- UK residents building or repairing their credit score
- People who want to check eligibility without a hard search first
- Cardholders who will clear the balance in full each month
Not ideal for
- High spenders who want rewards or cashback
- Anyone who expects to carry a balance — 39.9% APR is above most credit-builder cards on Giraffy
Aqua Classic credit card
Aqua Classic is a credit-builder Mastercard listed on Giraffy with no annual fee.
- Representative APR: 39.9% (variable)
- Starting credit limit £250 to £1,500, with potential increases
- Aqua Coach credit-building tool, text reminders and Boosted Payments to clear the balance faster
- Apple Pay, Google Pay and contactless; Mastercard acceptance
Best for: Building a credit history with a card you pay off in full.
Compare credit cards in Aqua in United Kingdom: 1 live plan compared
Aqua vs alternatives
Aqua vs Capital One
Credit-builder cards from 34.9% APR. Aqua vs Capital One: Capital One's Classic Mastercard is listed at 34.9% representative APR versus 39.9% for Aqua Classic; both have no annual fee. Capital One also issues the Ocean, Post Office and thinkmoney cards.
Aqua vs marbles (NewDay)
NewDay's other credit-builder brand. Aqua vs marbles: both are NewDay cards; marbles is listed at 34.9% representative APR, 5 points lower than Aqua Classic's 39.9%.
Aqua vs Zable (Lendable)
Credit-builder card at 29.9% APR. Aqua vs Zable: Zable is listed at 29.9% representative APR, one of the lowest credit-builder rates on Giraffy, versus 39.9% for Aqua Classic.
Aqua in Aqua in United Kingdom: 1 live plan compared — FAQ
How do I pay my Aqua credit card?
Aqua accepts payment by Direct Debit, by debit card online or in the Aqua app, and by bank transfer to NewDay Ltd using your Aqua account number as the reference (the payee details are on Aqua's payments help page and your statement). Debit card payments can take up to 2 days to reach your account. Pay at least the minimum payment by your due date to avoid a late payment fee.
Is Aqua a good credit card?
Aqua is a well-regarded credit-building card with no annual fee, but its 39.9% representative APR is higher than Capital One Classic and marbles (34.9%) or Zable (29.9%). It suits people who clear the balance in full; compare all credit-builder cards on Giraffy before applying.
What is the Aqua credit card APR?
Aqua Classic has a 39.9% representative APR (variable) and no annual fee. On Giraffy, other credit-builder cards range from 29.9% (HSBC Classic, Zable) to 48.9% (thimbl).
How do I apply for an Aqua card?
Start with Aqua's eligibility checker: it gives a response in about 60 seconds and does not affect your credit score. A full application, if you go ahead, involves a hard credit search.
What credit limit does Aqua give?
Aqua Classic starts with a credit limit between £250 and £1,500, and Aqua may increase it over time if you manage the account well.
Who owns Aqua?
Aqua is a brand of NewDay Ltd, which also issues the marbles credit card. NewDay Ltd may appear on your statement or credit report.