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  • FIRST POST
    aleph_0
    Aqua Reward Credit Card - 3% cashback up to 100/year
    • #1
    • 18th Jun 12, 4:50 PM
    Aqua Reward Credit Card - 3% cashback up to 100/year 18th Jun 12 at 4:50 PM
    Edit 4/4/2013: The card is no longer available to new customers.

    Edit 14/10/2013: Aqua are sending out letters to some or probably all existing customers withdrawing the card in January.


    Simon7685 started a thread a few days ago, pointing out that aqua had redesigned their website, and launched a new card, the Aqua Reward card, but it didn't seem to attract that much attention. Key points:

    * Representative 34.9%APR
    * 3% cashback on all your purchases, up to 100, paid annually, rounded down to the nearest mutliple of 5
    * No foreign currency exchange fees making it free to use abroad
    * An initial credit limit between 250-1,600

    This seems like a pretty good deal for everyone. For higher spenders, one can just spend 3,300 a year to get the 100, and then the rest on their other card. For those on lower incomes, it is the only accessible card available. The APR is high, so one really does need to make sure it's paid off every month, of course.

    Most people seem to be given an initial limit of 250 or 500, but there have been some higher limits (up to and including 1,600) given. After 5 months, many received letters informing them they would get an increased limit (typically from 250 to 500). Otherwise, those of us who requested an increase after having the card 6 months typically had their limit increased by less than double (e.g. from 250 to 350, or from 500 to 650).
    Last edited by aleph_0; 06-01-2014 at 6:30 PM.
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