Opus credit card review

2 min Read Published: 18 Apr 2024

Opus credit cardOpus is no longer accepting new applications, but suggests an alternative card in the Aqua Classic credit card. Existing customers can continue to use Opus as normal.

In this impartial review, you can see all of the key details about the Opus credit card.

Key facts about the Opus credit card

  • Best for: Those who need ready access to cash
  • Introductory offer: No introductory offers
  • Representative APR: 34.9% variable
  • Fees: No annual fee. £3 or 3% money transfer fee (whichever is greatest)
  • Perks: No specific perks

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  • 26.5% APR Representative (variable)

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Pros of the Opus credit card

  • Money transfer facility a useful - and cheaper - alternative to using the card to withdraw cash from a cashpoint.
  • Opus can send you text alerts to remind you when payments are due, which can help you boost your credit rating by encouraging you to manage the card responsibly.
  • You could still be accepted for the card even if you have a poor credit history.

Cons of the Opus credit card

  • Unlike with purchases - which are interest free for up to 48 days if you pay the balance in full each month - you have to pay interest on money transfers immediately. There is also a 3% money transfer fee to factor in.
  • If you do withdraw cash on this card, you will be hit with 49.95% APR on the amount.
  • The APR on purchases is also relatively high, even when compared with other cards designed for those with poor credit.
  • Minimum transfer of £50 applies

How to manage your payments on the Opus credit card

Cardholders can manage their accounts online or with your Digital Wallet in collaboration with Google Pay or Apple Pay.

How to find out which credit card is best for you

Comparing different credit cards is a key part of getting the best deal for you. Money to the Masses has helped to simplify this process by partnering with Creditec*, an online comparison service. You do not need to trawl through countless different provider websites hunting for the best cashback or lowest fees, as Creditec’s personalised search results will show you the key details you need to know in one place. Your tailored list will also feature the cards that you are more likely to be accepted for, cutting down the chance of any applications you make being rejected. Your search results are built using a soft credit search, so there will be no damage to your credit score. You can start your search by clicking this link*.

How to apply for the Opus credit card

Potential applicants should first complete the online eligibility checker, which can give you a good indication of how likely you are to be accepted for the card without affecting your credit rating.

Alternatives to the Opus credit card



If a link has an * beside it this means that it is an affiliated link. If you go via the link Money to the Masses may receive a small fee which helps keep Money to the Masses free to use. But as you can clearly see this has in no way influenced this independent and balanced review of the product.