Rating based on 45 reviews

Aqua Card


  • Build credit score
  • No extra fees
  • Low-interest starting from 37.9%

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Aqua Card homepage

Author Aqua Card. Screenshot of Aqua Card website. [Accessed September 5, 2019]

About Aqua Card

Aqua is a legal lender, allotted to one of the UK’s leading credit card providers.

We provide credit cards to customers who are not served by High Street Banks. Essentially, our success is due to the provision of affordable lending with fair and transparent pricing.

Take control over your finances

Our business is based in the UK with several local customer centres with agents who are ready to assist you. As a responsible credit provider, we carefully asses credit applications and base our decision on your individual circumstances.

Improve your credit rating

With us, help is available to improve your credit rating, and as a responsible lender, we will gladly provide you with tools to help you stay in control of your finances

Aqua Card Services

We take a personal approach to look for reasons to say YES! We help clients with a bad credit score to get a second chance.

Get a credit card today

Our team of experts takes a close look at all credit applications. We strive to help customers who need access to credit and want to start improving their credit score.

An Aqua credit card could be yours even if:

  • you’re self-employed as such, unable to prove a regular income
  • you’ve been affected by a CCJ
  • you work on a part-time basis
  • you are a student
  • new to credit
  • no history of having a credit card in the UK before
  • previously been turned down for credit
  • you’re earning a lower income

Aqua Card Product Details

  • Loan Type Credit cards
  • Interest Rate from 37.9%

Summary of Services

  • Reduce your interest rate by staying within your credit
  • Fast response
  • No extra charges

Helping you stay in control of your finances

Begin with a credit limit of £250 to £1,200, and you could be offered an increase on your 4th statement.

Receive free unlimited access to your monthly credit report. Get text reminders, so you need not miss a payment

We'll help you manage your credit card balance

  • We send regular text reminders about your payments and your credit balance
  • We offer flexible payment dates, so you can choose which date works best for you
  • A friendly UK-based customer support centre and hotline for when you feel stuck
  • We offer online balance checking, payment facility as well as account management

How the APR works

  • We charge 29.71% pa (variable) on interest for purchases
  • With an APR representative of 29.7%
  • We offer an expected credit limit £1,200, terms and conditions apply

Addition charges for late payments

Don't forget, failing to make payments on time or to stay within your credit limit means that you will pay additional charges. In addition, this may make obtaining credit in the future more expensive as well as difficult.

Customer Reviews & Testimonials

April 2019

I was able to buy a gift for my father thanks to Aqua Card

Crystal Brown
— Leeds —

February 2019

Seeing my mother happy is one of my goals, I knew that I needed the perfect gift for her next birthday, when I heard about Aqua Card I applied immediately and I don’t regret that decision

Kelly L
— Birmingham —

May 2019

Professional and well trained staff

Jessy W
— York —

Aqua Card Contact Details

Contact Number


  • not available


Physical Address

  • 7 Handyside St, Kings Cross London England N1C 4DA United Kingdom
  • Get Directions

Opening Hours

  • Monday 09:00 – 19:00
  • Tuesday 09:00 – 19:00
  • Wednesday 09:00 – 19:00
  • Thursday 09:00 – 19:00
  • Friday 09:00 – 19:00
  • Saturday 09:00 – 16:00
  • Sunday – Closed