With the acceleration of urbanization, increasing water pollution means that monitoring and evaluating urban water quality are of great importance. Although highly accurate, traditional evaluation methods are time consuming, laborious, and vastly insufficient in terms of the continuity of spatiotemporal coverage. In this study, a water quality assessment method based on remote sensing reflectance optical classification and the traditional grading principle is proposed. In this method, an optical water type (OWT) library was first constructed using the measured in situ remote sensing reflectance dataset based on fuzzy clustering technology. Then, comprehensive scoring rules were established by combining OWTs and 12 water quality parameters, and water quality was graded into different urban water quality levels (UWQLs) based on the scoring results. Using the proposed method, the relative water quality of urban waterbodies was qualitatively evaluated at the macro level based on images from the multispectral imager of Sentinel-2. In addition, there was a significant positive correlation between the UWQLs and the water quality index (WQI). These results indicate the potential of this method for quantitative assessment of urban water quality, providing a new way to evaluate water quality using remote sensing algorithms in the future.