Aqua credit card - 0.5% cashback in UK and abroad

Discussion in 'Continental Touring' started by Minxy Girl, Apr 9, 2016.

  1. Minxy Girl

    Minxy Girl Funster Life Member

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    If anyone wants a credit card that's free to use in the UK and abroad for purchases and pays 0.5% cashback too there's the Aqua REWARD credit card. We've got the 'usual suspects' (ie Nationwide and Halifax Clarity credit cards) but they don't give cashback and as we spend quite a bit on fuel when away we might as well get some benefit from doing so!

    http://aquacard.co.uk/credit-cards/
     
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  2. Snowbird

    Snowbird Funster Life Member

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    Nationwide CC does give 0.5% cashback, but only on UK purchases. Well, mine does anyway. Paid at year end.
     
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  3. andrewjw

    andrewjw Funster

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    Please Miss..

    But they only give you a £1200 credit limit...??



    Just a bit of fun...!;):)
     
  4. Minxy Girl

    Minxy Girl Funster Life Member

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    Yes I know the credit limits only run from £250 to £1200 initially (may be increased later once you've established your a good risk) but if you wanted it as a back up to your other cards, the fact that there are no charges for purchases abroad makes it a good option.
     
  5. Robert Clark

    Robert Clark Funster Life Member

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    Did you notice what their Euro exchange rate is?
     
  6. Minxy Girl

    Minxy Girl Funster Life Member

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  7. Minxy Girl

    Minxy Girl Funster Life Member

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    Our cards have arrived and we've now activated them and registered to be able to manage them on line, both of us have been given the maximum starting £1,200 credit limit. :D(y)
     
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  8. Autowbars

    Autowbars Funster

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    Thanks again Minxy, just applied for one as an additional back up.
    Will use it now and again, or even for weekly shopping, then pay off monthly.
    We normally use Santander card but limit is £20 pa cash back.
     
  9. mikebeaches

    mikebeaches Funster

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    We have been using Aqua credit cards for our international travel for more than 3 years. The system works really well for us. The exchange rates are the net inter-bank rates, without any administration charges.

    And, as you say 0.5% cashback. In fact, when we first got the cards it was 3% cashback (up to £100pa)!

    Our credit limit has been increased about 3 times now I believe.

    However, it's vital the balance is paid each month in full otherwise the interest is crippling, and would cancel any financial benefits.
     
  10. Minxy Girl

    Minxy Girl Funster Life Member

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    I'm confused - I thought you could earn up to £3 in each 'category' each month in cashback, so that's £9 pcm, or £108 max pa which, after the £3 pcm/£36 pa is deducted (not taking in to account the first 6 months £0 charge for new ones) leaves £72 pa max cashback, so where does the £20 pa come from?

    We did have one but ditched it as the cashback simply got swallowed up paying the monthly fee!
     
  11. androidGB

    androidGB Funster

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    There's an important distinction if you opened your 123 Credit Card before 15th September 2015

    You get 1% Cashback on Supermarket purchases up to a max of £20 per month
    2% on Department store purchase up to £40 per month
    and 3% on Fuel and some travel charges up to £9 per month

    So if you use a reasonable amount of fuel, and use it at supermarkets, it's still a pretty good deal for £3 per month

    Andrew
     
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