One card, right when you need it, for all your credit essentials

From money transfers that give you access to cash from your credit card, to building your credit rating when you manage your finances well, opus has all you need to keep moving.

  • Move cash straight into your bank account with a money transfer. Find out more about money transfers
  • Protect your credit rating. Check whether you’re eligible for an opus card before you apply with our FastCheck eligibility checker
  • Never forget another payment with helpful text alerts
  • Manage your account on the go with the opus card app

More handy benefits

  • No annual fee
  • Your opus card is welcomed at up to 36 million places worldwide – wherever you see the Mastercard logo
  • Stay in control of your payments and manage your finances more easily with online health tools for account holders

Check your eligibility

Applying for credit and being turned down can affect your credit score.

And that’s not much help if you’re trying to rebuild your credit rating.

So we think it makes sense that you should be able to check your eligibility before you apply.

That’s where opus FastCheck comes in.

FastCheck matches your answers to a few simple questions to a set of lending conditions. This is called a ‘soft search’.

It then tells you how likely it is that we’ll be able to accept your application for credit.

It’s free and it takes just a few moments to do.

Unlike applying for a card, checking your eligibility with FastCheck doesn’t leave a ‘footprint’ on your credit file.

That’s because it performs what’s called a ‘soft search’. So it protects your credit score.

You’ll be able to see this ‘soft search’ when you check your credit history. Other lenders won’t.

We’ll ask you:

  • Your name, address and date of birth
  • How long you’ve lived at your current address
  • Whether you work and how much you earn.

Don’t worry. We fully protect any personal details and data you give us. (To know more, check our privacy policy.)

Card Summary

Including interest rates, charges and cost of borrowing examples.

Helpful text alerts

Never miss another payment with free monthly reminders and alerts.

We’ll send you a message when your next payment is due. Or if you go over your credit limit.

To help you stay in control, we can also send you an alert when you’re approaching your credit limit. Or if you reach the monthly spend limit you’ve set for yourself.

Just switch the alerts you want on and off from your online account.

Manage your account online

Stay in control of your account wherever you are.

  • Check your spending
  • Make payments
  • Go paperless – take a look at your statements online
  • Keep your finances on track with our budgeting and repayment tools
  • Set up free alerts – when you’re approaching your credit limit or you’ve reached your personal spend limit.

You can also download our free opus mobile app to get started. Head over to the App Store or Google Play and search for ‘opus card’.

Opus Credit Card

Representative example

Interest for purchases

39.94% p.a (variable)

With a representative

39.9% APR (variable)

Assumed credit limit

£1,200


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