Yes, just look for the contactless symbol at locations that accept Mastercard.

Aqua Classic

Q: How can Aqua Classic help improve a bad credit score?

Aqua Classic comes with a host of tools to help you use your card responsibly, including: Aqua Coach – our free credit builder tool in the Aqua app A great mobile app to keep you in control 24/7 Text reminders to keep you on track Award-winning support from our UK-based call centre If you use these tools to manage your account well, then this will help to build your credit rating.

Q: Will my credit limit increase over time?

If you make your payments on time and stick within your credit limit over a number of months, then we may look at increasing your credit limit, if we think that’s the right thing and taking into account your personal circumstances. We’ll need to see that your account is being managed responsibly before we can offer you a credit limit increase. You can reduce your credit limit at any time by calling customer services. You can also choose how you would like us to manage your credit limit preferences.

Q: Is there an annual fee?

Unlike some other credit cards, there are no annual fees with the Aqua Classic card.

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

39.9% APR

Representative (variable)

Check my eligibility Read summary box

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 and secure app that guides you on your credit building journey.

A card to help build your credit

Credit score increasing by four points to 560

Build your credit score

By managing your account well and with tools like Aqua Coach and free credit score checks, you could build your credit score.

A locked Aqua Mastercard in front of a mobile phone

Protected when you spend

With a Mastercard® you can use your Aqua card safely at over 35 million places worldwide with 24/7 fraud protection.

Smart credit limits

A personalised credit limit, starting from £250 - £1500, that can adjust and could grow if you manage your account well.

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 18 and over 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.

Check my eligibility Read summary box

How to apply for an Aqua Classic card

Check your eligibility
This happens at the start of your application and lets you know whether you’re eligible without affecting your credit score.
Complete your application
If you’ve checked your eligibility and see you’re likely to be accepted, you can complete your application with a hard check.
Congratulations!
If accepted, your new card will arrive in seven to ten days, or use your card straight away with Apple Pay or Google Pay™.