What’s so different about aquawhat's so different about aqua

Put simply, we’re on your side. First, we assess each applicant individually, looking for reasons to say “yes”. We’re known for being a responsible lender. So once you’re with us, our doors are always open to give you help and advice when it matters most. But most importantly, we create innovative bad credit credit cards with rewards when you look after your account. Perfect if you wish to improve your credit rating.

FREE aqua Credit Checker

And with aqua Credit Checker, you have free unlimited access to your credit report, to help you take control of your credit rating and build a better financial future.

the credit card provider that’s right for youthe credit card provider that's right for you

Been turned down for credit before? Need to get your finances back on track? Bad credit history? These are all good reasons to apply for an aqua credit card today. We specialise in giving credit cards for people with bad credit who:

  • Are self-employed and unable to prove a regular income
  • Are working part-time or on a low income
  • Have never held a credit card in the UK before
  • Are affected by a bad credit history, including CCJs (other than in the past 12 months)

Representative 35.9%APR
(variable) across our products.

Apply today for a sensible credit limit, manageable rates and great benefits

Don’t miss out. Applying for an aqua credit card is easy.

aqua has said YES to over 750,000 customers in the UK thanks to our quick and simple credit card application process, even though they may have been turned down by other credit card companies. We can do it for you too.

You can rest assured that any information you give us will remain safe, secure and confidential.

Representative 35.9%APR (variable) across our products.

aqua - improve your credit rating

Do you have bad credit? Compare credit cards from aqua to find the right card for you situation and help improve your credit rating.

The good news is that using an aqua credit card responsibly, by making payments on time and staying within your credit limit, it can help you to achieve a better credit rating. With the right strategy, you could improve your credit rating in as little as six months.

But before you start it’s good to know:

  • how to access your own credit report
  • the information credit reference agencies store about you
  • why you may be refused credit cards and how to improve your credit rating
  • the importance of maintaining a good credit history

For help and advice on all these things and more information on our credit cards for bad credit, please go to our credit cards tips and advice.

Representative 35.9%APR (variable) across our products.

Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively and form part of the NewDay group of companies. The registered office for these companies is: First Floor, 11 Tower View, Kings Hill, West Malling, Kent ME19 4RL (until 31/10/2014), Two Pancras Square, London N1C 4AG (from 01/11/2014). NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority with numbers 0638085 and 0510571 respectively. NewDay Ltd is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services.  aqua is a trademark of NewDay Cards Ltd, which is used under licence by NewDay Ltd.