opus | Bad Credit Credit Card

5210 reviews

Representative 39.9% APR

Purchase rate: 39.95%

Representative example:

Representative Example: The standard interest rate on purchases is 39.9% p.a (variable) with a representative 39.9% APR variable. 

opus | Bad Credit Credit Card customer reviews.

5210 reviews

3.4 out of 5 stars


  • You don't need to have a good credit history
  • Manageable credit limit from £250 to £1200
  • Payment reminders via text
  • Eligibility checker without harming credit score
  • No annual fee

Minimum criteria

  • You must be over 18 to apply
  • You must be a current UK resident
  • You must've not been declared bankrupt in the past 18 months


  • Introductory Balance Transfer Rate: 0%
  • Introductory Balance Transfer Fee: £0
  • Introductory Purchase Rate: 0%
  • Balance Transfer Rate: 39.95%
  • Balance Transfer Fee: £3
  • Purchase Rate: 39.95%
  • Fee Amount: £3
  • Representative APR: 39.9%

About opus | Bad Credit Credit Card

Designed for customers who struggle to get accepted for a credit card, like those new to the UK, on a low income, self-employed or with no or bad credit. 

The opus credit card offers an initial limit from £250 to £1,200 but could be increased providing you prove you can manage the balance on your credit card sensibly.  The representative APR is 39.9% with no annual fee but you will be charged a fee of £12 if you make a late payment or go over your limit.

Representative APR is variable and ranges from 39.9% to 69.9%, depending on your current financial situation. 

 The card is designed to help you manage your finances which is why the opus credit card offers flexible repayment dates, in case you're short on money when the repayment date is due. You can receive text messages reminding you that your repayment date is coming up and you can check if you're eligible before you apply so you won't harm your credit score

The opus credit card is provided by NewDay Limited who are well known for their bad credit credit card services. 

Company information

Registration number: 7297722



7 Handyside Street, London, England, N1C 4DA

FCA registration

Reference No: 690292

Trading names: Aqua Start, Aqua Advance, Aqua First, Aqua Gold, Aqua Reward, Aqua Classic

Place of business: 7 Handyside Street, London, England, N1C 4DA

Data protection registration

Registration No: Z272680X

Data controller: NewDay Ltd

Address: 7 Handyside Street, London, England, N1C 4DA

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