Aqua Classic

A credit card to help repair bad credit


Fast and easy

Check your eligibility in less than 60 seconds, with no impact on your credit score

Helpful tools

Stay in control with our handy app, text alerts, useful guides and more

Build your credit score

If you have a low or bad credit score, we can help you start your journey towards better credit when you manage your account well

37.9% APR

Representative (variable)

Don't forget

Failure to make payments on time or to stay within your credit limit means that you will pay additional charges and may make obtaining credit in the future more expensive and difficult.

What are the benefits of the Aqua Classic card?

  • An initial credit limit between £250-£1,200
  • Build your credit score, if you manage your account and finances well
  • Potential to increase your credit limit if you manage your account well
  • No annual fees
  • Our mobile app keeps you in control 24/7
  • Manageable monthly payments
  • Text alerts to make it easier to stay on track
  • Award-winning support from our UK-based customer helpline
  • As a Mastercard, our Aqua Classic card is accepted at over 35 million places worldwide

Am I eligible to apply for an Aqua Classic card?

You can apply for an Aqua card as long as you:

  • Are over 18 and have a permanent UK address
  • Haven’t been registered bankrupt in the past 18 months and don’t have ongoing bankruptcy proceedings against you
  • Have a current UK bank or building society account
  • Haven’t received a County Court Judgement (CCJ) in the past 12 months
  • Don’t already have an Aqua card and haven’t have taken out an Aqua, marbles, opus or Fluid card in the past 12 months

37.9% APR

Representative (variable)

Aqua happy running

Need a little guidance? We’re here to help

Frequently Asked Questions

What is a credit score?

Your credit score is a number based on a range of different factors that gives an indication of how good you are with credit. A higher score means that lenders are more likely to lend to you.

How to improve your credit score

A credit card can be a great way to rebuild your credit score, but there are some simple things you can do to help improve your credit score. For example, make sure you're on the electoral roll, pay bills on time, including your credit card and check your credit record regularly.

Can I apply for a credit card if I have a bad credit score?

We’ll try to give you a ‘yes’ for the credit you need and can afford – even if you’ve been turned down for credit in past. The Aqua Classic card could help people with a poor credit history. We can’t promise to say ‘yes’ as we need to ensure we lend responsibly, but we will do our best to accept you.

What is an APR?

APR stands for annual percentage rate and represents the amount of interest you’ll pay annually on any money you borrow unless you clear your whole balance each month. The lower the APR, the less you’ll have to pay in interest.


Looking for something else?

Aqua Advance

Reduce your interest rate as you use your card when you manage your account well.


34.9% APR

Representative (variable)