Aqua Reward

Cashback credit card


0.5% cashback

0.5% cashback (up to £100 p.a.) on whatever you buy 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 Reward card?

  • A 0.5% cashback reward on purchases paid into your account every year if you keep up with your payments and stay within your credit limit
  • No extra fees on what you spend abroad
  • An initial credit limit between £250-£1,200
  • Potential to increase your credit limit if you manage your account well
  • No annual fees
  • Free access to your credit score with CreditView
  • 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 Reward card is accepted at over 35 million places worldwide

Am I eligible to apply for an Aqua Reward 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

34.9% APR

Representative (variable)

Earn cashback


Using your Aqua Reward card you’ll get 0.5% cashback on your everyday purchases each year (up to £100 per year). Just remember to make at least your minimum payments every month and stay within your credit limit.


Don’t forget to take your Aqua Reward card with you on holiday too. There are no foreign exchange fees when you spend using your card abroad, so you can earn cashback on your travels, just as you would at home.


What you’ll get

  • As a Mastercard, the Aqua Reward is accepted in more than 35 million places around the world
  • You’ll get a fixed percentage of what you spend on purchases back as credit on your account


Man with aqua card
Aqua happy running

Need a little guidance? We’re here to help

Frequently Asked Questions

What is a reward credit card?

This type of credit card gives you rewards for using your card. Some reward cards give you points for spending, which you can then spend on rewards, but probably the most common type of reward is cashback, which is what you get with the Aqua Reward card.

How do cashback credit cards work?

Cashback cards give you back a fixed percentage of what you spend. For example, if you spent £5,000 on your card over the course of a year with a cashback rate of 0.5%, you could get £25 in cashback.

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 happens if you miss a payment?

If you miss a payment by a couple of days this can have an impact on your credit score. Late payments can stay on your credit report for up to six years which may make it more difficult for you to gain credit in the future.


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)

Aqua Classic

A credit card to help repair bad credit. 


35.9% APR

Representative (variable)