Aqua Classic

A credit card to help repair bad credit


Fast and easy

Check your eligibility in less than 60 seconds, with no impact on your credit score

Helpful tools

Stay in control with our handy app, text alerts, useful guides and more

Build your credit score

If you have a low or bad credit score, we can help you start your journey towards better credit when you manage your account well

37.9% APR

Representative (variable)

Don't forget

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.

What are the benefits of the Aqua Classic card?

  • An initial credit limit between £250-£1,200
  • Build your credit score, if you manage your account and finances well
  • Potential to increase your credit limit if you manage your account well
  • No annual fees
  • Our mobile app keeps you in control 24/7
  • Manageable monthly payments
  • Text alerts to make it easier to stay on track
  • Award-winning support from our UK-based customer helpline
  • As a Mastercard, our Aqua Classic card is accepted at over 35 million places worldwide

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 bankrupt 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

37.9% APR

Representative (variable)

Aqua happy running

Need a little guidance? We’re here to help

Frequently Asked Questions

What is a credit score?

Your credit score is a number based on a range of different factors that gives an indication of how good you are with credit. A higher score means that lenders are more likely to lend to you.

How to improve your credit score

A credit card can be a great way to rebuild your credit score, but there are some simple things you can do to help improve your credit score. For example, make sure you're on the electoral roll, pay bills on time, including your credit card and check your credit record regularly.

What is an APR?

APR stands for annual percentage rate and represents the amount of interest you’ll pay annually on any money you borrow unless you clear your whole balance each month. The lower the APR, the less you’ll have to pay in interest.

What is bad credit?

Bad credit is usually a way of describing having a low credit score, due to either a history of using credit poorly or not having built up much of a credit history. Having a bad credit history is one of the main reasons people are turned down for credit cards, loans, and even bank accounts.

If you have a bad credit history, it’s important to remember that millions of people in the UK are in the same category, so you’re not alone and you can get help to fix it.

It’s also important to remember that nobody has a single credit ‘score’ that all lenders look at to decide whether to give you credit. Each lender will carry out its own assessment based on your credit history and decide based on their own criteria, so it’s still possible for you to get credit and use it responsibly.

Let’s look at the two situations which usually result in it being more difficult for people to get credit


A bad credit history

If you haven’t stuck to the terms of credit agreements in the past, lenders might decide that it’s a risk to give you credit.

The most common ways that people break credit agreements are:

  • Making lots of late payments or missing payments altogether
  • Going over their credit limit – especially if it happens regularly

For example, if you made lots of late payments on your credit card or missed payments altogether, other lenders are likely to think that you might miss payments and decide not to give you credit. There are lots of steps you can take to start improving your credit score and options for getting credit while you have bad credit. At Aqua, we’ll do our best to help you with both. 

No credit history

If you’ve never borrowed money, lenders don’t have much information to judge whether you’ll manage your credit well.

Using credit well is the most important factor in building a good credit history, so having no history of using credit can be just as much of an issue as a history of using credit poorly. 


Can I apply for a credit card if I have bad credit?

The short answer is ‘yes’. The first step is to decide which card is right for you.

If you have a bad credit history or haven’t applied for a credit card before, it can be tempting to fill out lots of applications in the hope that at least one of them will be successful. But this is exactly the wrong thing to do.

Each full application is logged on your credit report, so the more you apply and are turned down, the more likely you are to keep getting turned down. That’s why you need to pick a card that’s designed for your circumstances and offers an eligibility check – sometimes called a ‘soft’ check – up front.

See full product summary.


Looking for something else?

Aqua Advance

Reduce your interest rate as you use your card when you manage your account well.


34.9% APR

Representative (variable)