The smart way to build better credit

Aqua is the card that gives you the power to improve your credit score

34.9% APR

Representative (variable) for Aqua Classic


Check your eligibility with no impact on your credit score

Check my eligibilityRead summary box
Warning icon
Don’t forget

Failure to make payments on time or to stay within your credit limit means that you’ll pay additional charges, and may make it more expensive and difficult to get credit in the future.

Why should I apply for an Aqua credit card?

Safe and secure icon

Safe & secure

With our 24/7 fraud protection, we’ll help you keep your account safe and our friendly team can support you if you ever need us.

Credit check icon

Personalised credit limits

We’ll adjust your credit limit as we get to know you and could even increase it if you manage your account well.

Support and tools icon

Expert support and tools

Join the hundreds of thousands of people improving their credit score with our support and tools, including free credit score updates in the Aqua app.

34.9% APR  Representative (variable) for Aqua Classic

lock icon

Check your eligibility for Aqua with no impact to your credit score

Check my eligibility

Credit building. Built for you

Meet Aqua Coach – your expert guide to building better credit, your way. Track your score, learn what makes a difference to it – and plan your next best move to help improve it.

Learn more about Aqua Coach
Phone screen displaying a credit score

Improve a poor credit score

Having a low credit score is one of the main reasons people are turned down for a credit card - but with Aqua, you’re in safe hands as the Classic card is specifically designed to help you build your credit score.

Credit card for bad credit
A woman gazing down at her smartphone screen, which emits a soft glow

Round-the-clock security

For your peace of mind, we’re always keeping an eye out for anything unusual on your account. And if you notice something that doesn’t seem right, our fraud team is on hand to help.

Learn more about security
Phone screen showing the freeze card funtionality

Level up your rewards

With Aqua, you’ll feel rewarded as you grow. By managing your account well and paying on time, you could unlock benefits like higher credit limits and money-saving offers over time.

See how we reward you
A woman enjoying a cup of coffee

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.

No impact on your credit score

With SafeCheck, we let you know whether you’re eligible without impacting your credit score. It’s super easy and you’ll get a response in less than 60 seconds.

34.9% APR

Representative (variable) for Aqua Classic

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.

Use with your digital wallet

Make fast and secure purchases online, through apps or in-store. Add your Aqua card to your digital wallet to start making purchases instantly with your devices.

google payapple pay
phone app - payment done