Aqua Advance

Reduce your interest rate


Reduce your rate

Reduce your rate over three years if you stay within your credit limit and pay on time

No extra fees

No Foreign Exchange fees when you spend abroad

Fast and easy

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

34.9% 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 Advance card?

  • Reduce your interest rate each year if you manage your account well
  • No extra fees on what you spend abroad
  • An initial credit limit between £250-£1,500
  • 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 Advance card is accepted at over 35 million places worldwide

Am I eligible to apply for an Aqua Advance 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, Fluid or Bip card in the past 12 months

34.9% APR

Representative (variable)

How do I get a lower credit card interest rate?


Want a progressive way to build or rebuild your credit? Aqua Advance could be the credit card for you. It’s designed to help you improve your credit score, while reducing the rate of interest you pay each year. 

You just need to stay within your limit and make payments on time. So, whether you have a low or fair credit score, or ore just starting to build your credit history, Aqua Advance helps you improve your credit while cutting your costs.

Woman with Aqua card
Aqua happy running

Need a little guidance? We’re here to help

Frequently Asked Questions

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 a Representative APR?

The representative rate of APR is the rate that most people who apply for a credit card or loan will get. The exact rate that you are offered will depend on your personal circumstances.

Can your interest rate go down?

Yes – with an Aqua Advance your interest rate could go down each year for three years, so long as you make payments on time and stay within your credit limit. The better your history of using credit, the lower the interest rate you’re likely to be offered.

Keep track of your credit report with Aqua and CreditView

Get free, unlimited access to your credit report and score with CreditView, which means you can keep track as you use Aqua Advance card. You'll also gain access to services such as CreditView Improve and CreditView Alerts.


Looking for something else?

Aqua Classic

A credit card to help repair bad credit.


34.9% APR

Representative (variable)