How to Get an Aqua Classic Credit Card and Rebuild Credit Rating

Are you looking for a credit card that you can use to repair a bad credit rating? The Aqua Classic Credit Card is a solid option if you have a shaky credit history or have no credit at all.

It can be used for everyday purchases and also has unique financial features to help you manage your money better.

Read on to find out more about the application process and requirements of this credit card so that you can starting enjoying its benefits today.

How to Get an Aqua Classic Credit Card and Rebuild Credit Rating

Benefits and Features of an Aqua Classic Credit Card

Aqua is helping its customers start anew by offering a line of credit cards that help improve an individual’s credit rating. The Aqua Classic Credit Card lets cardholders borrow responsibly and stay in better control of their finances. In this article, we’re going to dig deeper into the perks and benefits that come with this card.


At first glance, the Aqua Classic Credit Card may seem like an ordinary card, however, it has a wealth of features that can help you track your credit and more. Get free and unlimited access to Credit Checker to keep track of your credit report.

In addition, you can also receive personalized tips on how you can polish your rating. You can also spot changes in your credit score with text alerts.

Also powered by Mastercard, you can use this card almost anywhere in the world that accepts card payments. For individuals who are always abroad for work, this credit card only charges transaction fees for using the card outside the United Kingdom.

Mastercard also provides merchant discounts and special rewards for using the card for dining, travel and shopping. The Aqua Classic Credit Card also has a longer interest-free period of 48 days.

Now that you’re familiar with some of the great perks of this card, read on to learn about eligibility and how you can apply for your own card today.

Eligibility and How to Apply for an Aqua Classic Credit Card

Applying for this credit card is easy and hassle-free. For the online application, applicants can check eligibility and get a response within a few minutes.

Minimum requirements include having a permanent UK address, being at least 18 years old, having a UK bank account, being employed, not having received a County Court Judgement (CCJ) in the past year, and not already having an Aqua card.

Aqua will also ask about your personal information, including complete name, contact details, income, and mortgage (if any). Individuals who’ve declared bankruptcy in the last 18 months are not eligible to apply. However, those who have a poor credit score can still head to the Aqua website to complete an application, but the bank will assess financial capacity and circumstance.

If successful in your application, the minimum credit limit is set at £250, though the maximum limit is subject to status.

Aqua Classic Credit Card Fees & Charges

  • Annual fee — £0
  • Variable Purchase Interest Rate — 35.95% or 44.93% or 49.91% or 54.95% or 59.95%
  • Variable Balance Transfer Rate — 35.95% or 44.93% or 49.91% or 54.95% or 59.95%
  • Foreign Usage fee — 2.95% of the amount of transaction
  • Late Payment fee — £12
  • Cash Advance fee — 3% of the transaction (minimum £3)


Order the Aqua Classic Credit Card if you’re after improving your credit rating or building a score from the bottom up. With financial tools and features such as text alerts, managing your money is made easy. Just keep up with payments and pay in full every month to avoid recurring penalties and bad credit.

Head to the Aqua website today and fill out an application to begin enjoying the benefits of this card.