Understanding credit cards

APR? Money transfer? Fees and charges? Let's make a clear look at credit cards, without all the confusion...

Credit cards category

Latest articles

Page 6 of 8
Young man wearing headphones walking with backpack and looking at mobile phone
Understanding credit cards

Your first credit card

Helping you to get started with your first credit card. From choosing the right card to building credit responsibly...

Published on June 27th, 202410 mins read
Author photo

Victoria Smith

Man drinking coffee sitting on sofa using laptop in home setting
Understanding credit cards

How to apply for a credit card

If you’re looking to apply for a credit card then read our comprehensive guide. Learn about eligibility, credit car...

Published on March 27th, 20248 mins read
Author photo

Victoria Smith

Young woman stood in bathroom setting looking in mirror and applying skincare to face
Understanding credit cards

Self care nation

Aqua reveals the self-care priorities of people in the UK.

Published on October 6th, 202310 mins read
Author photo

Sharvan Selvam

Indoors, one adult female sitting and working in home interior, wearing casual clothing and reviewing paperwork.
Understanding credit cards

What is a good credit score range?

Discover what the average credit score in the UK is and what this means for you.

Published on December 21st, 20226 mins read
Author photo

Jide Davies

Adult woman in casual clothing relaxing indoors on her sofa wearing headphones.
Understanding credit cards

Can you pay bills with a credit card?

Credit cards can be a convenient way to make purchases. Learn how you can use a credit card to pay everyday bills.

Published on October 20th, 20225 mins read
Author photo

Vanessa Stewart

Close-up of one young adult man using calculator on mobile phone with human hand on table indoors.
Understanding credit cards

What is APR on credit cards? APR Explained

What is APR and why does it matter? Discover what APR means on credit cards, how it’s calculated, and what to consi...

Published on September 30th, 20226 mins read
Author photo

Alex Cook

Close-up of an adult man using smart watch to pay at a contactless credit card reader.
Understanding credit cards

Why should I use a digital wallet?

Find out how spending with digital wallets such as Apple Pay and Google Pay could be safer and easier.

Published on June 29th, 20225 mins read
Author photo

Victoria Smith

Young adult woman enjoying exploring a foreign market with map in hand.
Understanding credit cards

Using your credit card abroad

Find out how you can use your credit card to spend abroad safely, with tips and advice to utilising your card sensi...

Published on June 24th, 20226 mins read
Author photo

Victoria Smith

Close-up of a man's hand taking credit card from wallet for business or shopping online.
Understanding credit cards

Credit card vs debit card - what's the differ...

Understand the key differences of credit vs debit and learn which is best suited for your needs.

Published on May 13th, 20228 mins read
Author photo

Vanessa Stewart

Explore all topics

Click on the boxes below to read more content

Budgeting your money
News and insights
Staying safe
Understanding credit cards

Any topics you'd like us to cover? We're keen to find out! Please send your ideas to our Instagram.

Credit available only to UK residents aged 18 and over. Subject to status. Terms apply. The APR and credit limit applicable to your account will depend on our assessment of your application. Credit score could increase with responsible account management. Instant spend is subject to successful identity verification. 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.

aquacard logo
  • Credit cards
  • Aqua Classic credit card
  • Balance transfer credit card
  • Compare credit cards
  • Contact us
  • Cookie policy
  • Privacy policy
  • About us
InstagramYouTubeTikTok
Download on the App StoreGet it on Google Play

NewDay Ltd is a member of the Finance and Leasing Association (FLA) and it subscribes to the FLA's Lending Code. Copies of the FLA's Lending Code can be obtained from www.fla.org.uk.

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. They form part of the NewDay group of companies. The registered office for these companies is 7 Handyside Street, London, N1C 4DA. NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority (FCA) with numbers 690292 and 682417 respectively. NewDay Ltd is also authorised by the FCA under the Payment Services Regulations 2017 (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.

Google Pay is a trademark of Google LLC.

© NewDay Ltd. 2026