A little bit about us

Actually, this isn't about us. It's about you.

That's because, at opus, we see things from your point of view.

We understand that life has its ups and downs, and that getting it right every time isn’t easy.

And we also know that getting rejected by the mainstream credit card companies for bad credit can feel unfair.

That’s why we’re here.

We firmly believe that there’s no problem that doesn’t have a solution.

And we think that many hard-working people with poor credit deserve the convenience and freedom of a credit card, if they want one.


Bad credit? The opus card can help

At opus, we look at your circumstances a little more closely than other card providers. If you have a poor credit score, we won’t rule you out.

We know a thing or two about bad credit, and we’ve got the credit building tools and expertise to keep you moving from one day to the next.

So, if you don’t earn as much, your income isn’t always regular, or you’re moving on from money troubles in the past, we may be able to offer you the help you need when you need it.

And that’s what makes us tick.

  • We keep things simple, both in the way our credit card works and the way we tell you about it. We aim to be crystal clear in what we say
  • We know what life’s like, so we’ve created a credit card that helps you manage yours. From money transfers that give you access to cash when you need it, to helping you build your credit rating when you manage your finances well
  • We’re proud of being a responsible lender and we believe it’s important to be fair. Here’s where you can take a closer look at our lending commitments and what we ask of you as a borrower.  Statement of lender and borrower responsibilities 

Who provides our credit at opus?

NewDay Ltd provides our credit. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively. They form part of the NewDay group of companies.


Where are they based?

The registered office for these companies is NewDay Ltd, 7 Handyside Street, London N1C 4DA.


How are these companies authorised and regulated?

NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority (FCA) with numbers 690292 and 682417 respectively. NewDay Ltd is also authorised by the FCA under the Payment Services Regulations 2017 (ref no: 555318) for the provision of payment services. OPUS is a trademark of NewDay Cards Ltd, which is used under licence by NewDay Ltd.

NewDay Ltd is a member of the Finance and Leasing Association (FLA) and it subscribes to the FLA's Lending Code. You can get a copy of this code from www.fla.org.uk. NewDay Ltd also adheres to the Standards of Lending Practice, which are independently monitored by the Lending Standards Board. For more information, or to see a full copy of the Standards of Lending Practice, please visit www.lendingstandardsboard.org.uk

Opus Credit Card

Representative example

Interest for purchases

39.94% p.a (variable)

With a representative

39.9% APR (variable)

Assumed credit limit


The APR applicable to your account will depend on our assessment of your application. Credit only available to over 18s resident in the UK and subject to status.

Check Eligibility