Pros and Cons – Forbes Advisor UK


With an initial credit limit of between £250 and £1,200, Aqua’s Classic card could be an ideal solution if you’re looking to rebuild a bad credit score.

Representative example

The representative APR example gives you an estimate of how much it might cost if you borrowed a certain amount of money. This helps you compare products and provides a guide to the cost of carrying a sale. Your personal offer may vary from the representative APR example.

At an assumed credit limit of £1,200, at a purchase rate of 37.9% per annum (variable), the representative APR is 37.9% (variable). Credit available subject to status.


  • Chance to get you out of bad credit
  • Apply through the eligibility checker without affecting your credit score
  • Application to support card management
  • Text alerts when a payment is due
  • Ability to increase your allocated credit limit

The inconvenients

  • Representative APR of 37.9% (varies)
  • Could be offered APR up to 59.9% (variable)
  • No benefits or 0% promotional offers

APR Representative


Rewards / Benefits

No benefits associated with this card


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Main characteristics

  • Initial credit limits start from £250
  • Possibility to increase the credit limit if you manage your account responsibly
  • Can arrange for ‘boosted payments’ – extra payments to pay off your balance faster
  • Text alerts to remind you when a payment is due


There is no annual fee attached to the Aqua’s Classic card.

The representative annual interest rate (APR) is 37.9% (variable). However, you may be offered an APR of up to 59.9% (variable) depending on your credit score and personal circumstances.

Regardless of your personal APR, this card comes with 48 days interest-free on new purchases. This means that if you clear your balance in full and on time each month, you won’t have to pay a penny in interest.

As well as further damaging your credit score, any late monthly repayments will incur an automatic £12 charge. The card also has a £12 charge if you go over your credit limit or if a direct debit payment or check is returned unpaid. A £20 ‘find’ fee applies if you change your details without telling Aqua and they need to find you.

You can expect to pay 2.95% of the transaction amount if you use your card abroad in exchange fees.

Although you can withdraw money from an ATM with the Aqua card, it’s not a good idea. You will be charged interest from the date the withdrawal appears in your account, plus a 5% fee (or £4, whichever is greater).


There is no benefit associated with this card. However, by sticking to your monthly repayments, it can help you get out of a bad credit situation. This will in turn increase your eligibility for credit cards that offer rewards.


As with any credit card, Classic from Aqua offers protection on goods and services you buy costing over £100 and up to £30,000.

This safety net is offered via Article 75 of the Consumer Credit Act. This protection applies for the full cost even if you only use your plastic to pay for part of the purchase – such as the deposit – as long as the amount is still between these two values. To learn more, read our guide.

Will I be eligible?

This credit card is not available to applicants who have been registered for bankruptcy within the past 18 months or have received a County Court Judgment (CCJ) within the past 12 months.

You will not be able to apply if you already have an Aqua card or if you have subscribed to an Aqua, marbles, Fluid or Bip card within the last 12 months.

Is this the right card for me?

With a high representative APR of almost 40%, it is essential that you pay off your monthly balance in full with this card. Especially in the case of credit cards, accumulating debt could cost a considerable amount of interest and further deteriorate your credit score.

On the other hand, with careful management of your account, this card could provide you with the means to rebuild your credit score.

What are my alternatives?

The key features of this card are its broad eligibility criteria and initial credit limit potential. Nevertheless, always compare the whole market to find out what other manufacturer credit card offers are available.

Note that you can find out if you might qualify for a more attractive traditional credit card without leaving evidence on your credit report by using an eligibility checker.

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