Aqua Classic

A credit card to help repair bad credit

  • An initial credit limit between £250 and £1500

  • Our mobile app keeps you in control 24/7

  • No annual fees

34.9% APR

Representative (variable)

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What are the benefits of an Aqua classic card?

Get the smart way to build better credit. Aqua Classic is the credit card for bad credit or poor credit history, that gives you the power to improve your credit score. Backed by our expert support, personalised credit limits & secure app that guides you on your credit building journey.

Build your credit score

  • Build your credit score, if you manage your account and finances well
  • Get expert support from Aqua Coach with hints & tips to help improve your score
  • ‘Boosted Payments’ option to help you clear your balance faster when compared to making the minimum monthly payment
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Safe and widely accepted

  • Get 24/7 fraud protection to keep your account safe
  • Get a response in 60 seconds with no impact on your credit score
  • As a Mastercard, Aqua Classic is accepted at over 35 million places worldwide
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Smart credit limits

  • We give you a personalised credit limit starting from £250 - £1500
  • Your credit limit adjusts as we get to know you and could even grow if you manage your account well
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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.

Am I eligible to apply for an Aqua Classic card?

You can apply for an Aqua card as long as you:

  • Are over 18 and have a permanent UK address.
  • Haven’t been registered bank rupt in the past 18 months and don’t have ongoing bankruptcy proceedings against you.
  • Have a current UK bank or building society account.
  • Haven’t received a County Court Judgement (CCJ) in the past 12 months.
  • Don’t already have an Aqua card and haven’t have taken out an Aqua, marbles, opus or Fluid card in the past 12 months.
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How to apply for an Aqua Classic card

Step One

Check your eligibility

This happens at the start of your application and lets you know whether you’ll be accepted, without affecting your credit score.

Step Two

Complete your application

If you’ve checked your eligibility and see that you’re likely to be accepted, you can choose to complete your application with a hard check.

Step Three


If accepted, new card will arrive in the post within 7-10 days along with details of your credit limit, and the info you’ll need to use your card.

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Aqua Classic FAQs

Get more help improving bad credit

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Check out our range of guides with helpful tips and advice to get you on the path to building better credit.

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