NewDay Limited Opus

3.8

OUR RATING

Representative APR

34.9% APR (variable)

Purchases

39.95% (variable) p.a.

Balance Transfers

39.95% (variable) p.a. (3% fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 39.95% (variable) p.a., most accepted customers get a rate of 34.9% APR (variable).

3.8

OUR RATING

Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.

Our Verdict

Applications for an Opus credit card have now closed. However, the issuer, NewDay Limited, recommends Aqua UK Credit Cards as an alternative. There are two cards to choose from, both offering a starting credit limit between £250 and £1,500 and could also help improve your credit score. Alternatively, take a free eligibility check to see what other credit card options are a match to you.

Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.

Product Features & Benefits

Issuer	NewDay Limited
Network	Mastercard
Primary Category	Credit Building
Loyalty Scheme
Incentive on opening	No annual fees
Cashback/Rewards (if applicable)	No cashback scheme
Account Fee	£0
Purchases	39.95% (variable) p.a.
Purchases Interest Free Period	48 days
Balance Transfers	39.95% (variable) p.a. (3% fee)
Balance Transfer Fee	3.00%
Cash Advances	49.95% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 250.00
Maximum Credit Limit	Subject To Status: £1500

Fees & Charges

Account Fee	£0
Late Payment	£ 12
Returned Payment	£ 12
Exceed Limit	£ 12
Duplicate Statement	£ 5
Replacement Card	£ 0
Trace Fee	£ 20
Cash Withdrawal Fee	5%
Cash Withdrawal Minimum Charge	£ 4
Foreign Usage EU	2.95%
Foreign Usage World	2.95%