Yes, just look for the contactless symbol at locations that accept Mastercard.

Aqua Classic

Q: How can Aqua Classic help improve a bad credit score?

Aqua Classic comes with a host of tools to help you use your card responsibly, including: Aqua Coach – our free credit builder tool in the Aqua app A great mobile app to keep you in control 24/7 Text reminders to keep you on track Award-winning support from our UK-based call centre If you use these tools to manage your account well, then this will help to build your credit rating.

Q: Will my credit limit increase over time?

If you make your payments on time and stick within your credit limit over a number of months, then we may look at increasing your credit limit, if we think that’s the right thing and taking into account your personal circumstances. We’ll need to see that your account is being managed responsibly before we can offer you a credit limit increase. You can reduce your credit limit at any time by calling customer services. You can also choose how you would like us to manage your credit limit preferences.

Q: Is there an annual fee?

Unlike some other credit cards, there are no annual fees with the Aqua Classic card.

A credit card to help repair bad credit

An initial credit limit between £250 and £1500
Our mobile app keeps you in control 24/7
No annual fees

34.9% APR

Representative (variable)

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What are the benefits of an Aqua classic card?

Get the smart way to build better credit. Aqua Classic is the credit card for bad credit or poor credit history, that gives you the power to improve your credit score. Backed by our expert support, personalised credit limits & secure app that guides you on your credit building journey.

Build your credit score

Build your credit score, if you manage your account and finances well
Get expert support from Aqua Coach with hints & tips to help improve your score
‘Boosted Payments’ option to help you clear your balance faster when compared to making the minimum monthly payment

Safe and widely accepted

Get 24/7 fraud protection to keep your account safe
Get a response in 60 seconds with no impact on your credit score
As a Mastercard, Aqua Classic is accepted at over 35 million places worldwide

Smart credit limits

We give you a personalised credit limit starting from £250 - £1500
Your credit limit adjusts as we get to know you and could even grow if you manage your account well

Phone screen displaying a repayment calculator

Hear from our customers

Everybody has their own credit-building journey. Hear directly from the people who’ve used Aqua to help them along the way.

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 bank rupt 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.

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