The Aqua Classic credit card stands out for individuals who may have low, irregular, or self-employed incomes. With a representative APR of 34.9% (variable), Aqua is tailored for those working to build or repair their credit profile. Although the precise credit limit depends on individual circumstances, Aqua assesses a variety of situations, making it approachable for applicants who might otherwise struggle with mainstream lenders.

How to Apply: Step by Step

1. Use the eligibility checker for a soft search on your credit file—this does not affect your score.
2. Prepare personal, financial, and employment details to complete the online application.
3. Submit your application and await the lender’s decision. Approval is based on current circumstances, not just your credit history.

Pros of the Aqua Classic Card

Aqua’s major benefit is its willingness to accept applicants with limited, irregular, or low income, as well as those self-employed. The credit builder focus helps improve your credit score over time with responsible usage. There’s also the peace of mind of a soft eligibility check, so your application doesn’t leave a mark on your credit file before you fully apply.

Cons of the Aqua Classic Card

A higher APR of 34.9% (variable) means it isn’t ideal for carrying balances month-on-month; prompt repayments are important to avoid costly interest. Initial credit limits may be modest, reflecting Aqua’s focus on risk management for less established borrowers.

Our Verdict

The Aqua Classic credit card is an excellent option for anyone with non-traditional income or a history of bad credit. If you pay in full every month and want a practical route to rebuilding your score, Aqua’s approach is refreshingly fair and flexible.