Zable vs Aqua Credit Card
Written by
Emily Tye
Reviewed by
Amy LancashireWhen comparing credit cards, looking at the full picture across fees, features, and customer support helps you find the option that fits your life. Both Aqua and Zable cards are accessible to a broad range of applicants. This page sets out the key differences so you can choose with confidence.
Fees & Limits
Features | Aqua Classic | Zable+ |
|---|---|---|
Starting limit | Up to £1,500 | Up to £4,000 |
Representative APR* | 39.9% | 29.9% |
Annual fee | £0 | £0 |
Overlimit fees | £12 | None |
Late payment fees | £12 | £12 |
Cash withdrawal fees | 5% or minimum £4 | 3% or minimum £3 |
Foreign Exchange fees on purchases abroad | 2.95% per transaction | None |
Card Features
Card Features | Aqua Classic | Zable+ |
|---|---|---|
Suitable for credit building | ✅ | ✅ |
Apple & Google Pay | ✅ | ✅ |
Same-day virtual card | ❌ | ✅ (if eligible) |
Refer A Friend scheme | ❌ | ✅ |
Extra Features
Features | Aqua | Zable |
|---|---|---|
App | ✅ | ✅ |
Free credit score and report | ✅ | ✅ |
Rent reporting | ❌ | ✅ |
Multi-bank spend tracking | ❌ | ✅ |
Loan offers | ✅ (for existing customers) | ✅ |
Car insurance offers | ❌ | ✅ |
Customer Service
Features | Aqua | Zable |
|---|---|---|
Chat support | ✅ (in app) | ✅ (in app) |
Email support | ❌ | ✅ |
Open on weekends | ✅ | ✅ |
Trustpilot score | 4.6 from 15,000+ reviews (correct as of 11/06/2026) | 4.8 from 53,000+ reviews (correct as of 11/06/2026) |
Which card suits you?
Both credit cards charge no annual fee and give you free access to your credit score and report. The differences are most noticeable in the fee structure and the digital tools available. You may want to consider Zable if:
You want access to a higher starting credit limit. Zable offers starting limits of up to £4,000, compared to up to £1,500 with Aqua. The limit you're offered will depend on your individual circumstances.
You want to avoid overlimit fees. Aqua charges £12 if you go over your credit limit.
You spend abroad. Aqua charges 2.95% on every overseas purchase. Zable charges no foreign exchange fee on purchases abroad. Cash withdrawals may still carry a charge with either card, so paying by card in local currency is generally the better option.
You rent your home and want it recognised on your credit file. Zable's rent reporting feature records your rental payments and reports them to credit reference agencies, which may help demonstrate financial reliability over time. As with any credit-building tool, the benefit depends on making payments consistently and on time. Note: this feature is available independently of the Zable+ card.
You want to start spending before your physical card arrives. Most eligible customers can access their virtual Zable card in under 10 minutes from account opening.
What both cards have in common
Neither card charges an annual fee. Both give you free access to your credit score and report, support Apple Pay and Google Pay, and are FCA regulated. Both hold a Trustpilot rating of "Excellent": 4.6 for Aqua and 4.8 for Zable.
*Representative example:
Based on assumed borrowing of £1200 at an interest rate of 29.9% (variable) p.a. your representative APR will be 29.9% (variable). Subject to eligibility. If you don't qualify, we may offer you a different card with its own terms.
Apply OnlineThis comparison is based on publicly available information published on the Aqua website. Correct as of 11/06/2026.
