Applications for an opus credit card have closed

We're no longer accepting new applications for opus, but we can suggest an alternative card that could give you a starting credit limit of between £250 to £1,500 and help improve your credit score.

Existing opus customer?

You can continue to use opus as the card for all your credit essentials as normal. Just use the opus credit card login below, or head to your opus app.

Find out more about what's happening in the FAQs

The smart alternative

Aqua is a great alternative to opus - giving you the power to improve your credit score.

34.9% APR

Representative (variable) for Aqua Classic

Don't forget

Failure to make payments on time or to stay within your credit limit means that you'll pay additional charges, and may make it more expensive and difficult to get credit in the future.

Credit card for bad credit

Aqua is designed to help you build your credit score, offering free useful tools and handy guides to support you on your credit journey.

Smart credit limits

Get a personalised credit limit that adjusts as Aqua gets to know you - and could even grow if you manage your account well.

Use it with your digital wallet

Make fast and secure payments online, in-app and in-store. Just add your Aqua card to Apple Wallet on your Apple devices or Google Wallet™ on your Android devices.

Find out if you're likely to be approved or declined, before you apply - and without impacting your credit score

Frequently Asked Questions

What's happening to opus?

We're no longer accepting new applications for opus. However, if you're looking for a card that could help you improve bad credit, we suggest heading to Aqua.

I'm a current opus customer. Can I still use my opus card?

Yes, you'll still be able to carry on using your opus card as normal. You'll also continue to have access to Online Account Manager and the opus app to manage your account.

What is the relationship between opus and Aqua?

opus and Aqua are both provided by NewDay Ltd, one of the UK's largest providers of consumer finance. We're committed to helping people move forward with credit - we've even won awards^* for it.

Can I check if Aqua is right for me before I apply?

Yes, just head to Aqua and click 'Check my eligibility'. It's quick and easy to do and won't affect your credit rating.

Can I apply for an Aqua card if I already have an opus card?

To be eligible for an Aqua card, you must not already have an Aqua card or have taken out an opus, Marbles, Fluid, or Bip card in the last 12 months.

^*Smart Money People's Consumer Credit Awards winner for Best Credit Building Product Provider, 2022 and 2023