The reason we’re here
Some time ago, we realised lots of people were being rejected by mainstream credit card companies. People who were new to credit cards. People who were self-employed and found it hard to prove a regular income. Hard-working people in jobs that didn’t pay a lot. Or people who’d had money troubles in the past and wanted to make a new start. We decided a lot more of them deserved the convenience and freedom of a credit card.
Helping people get credit since 2002
We launched the first aqua card in 2002 and since then we have accepted over 750,000 people. We look for reasons to say YES. And on average, we say YES every three minutes, to someone who has applied for an aqua card.
We offer four different aqua Mastercards for people in different situations:
All these cards, and the service that comes with them, can help you improve your credit rating. They have lots of other benefits, too.
All aqua credit cards are underwritten and managed by NewDay Cards Ltd, the UK’s leading specialist credit card provider. We look at each application individually, to see if there’s a way we can give you the credit you’re looking for.
Our registered details and more
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: Two Pancras Square, London N1C 4AG. 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.
NewDay Ltd is subject to the Financial Ombudsmen Service and is a member of the Finance and Leasing Association (FLA); it subscribes to the FLA's Lending Code. Copies of the FLA's Lending Code can be obtained from www.fla.org.uk
Representative 35.9%APR (variable) on the aqua classic card.
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. See more on Tips and advice