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Opus Credit Card full review: transfer money easily and build credit

Read the Opus Credit Card review to find out how this card works and discover if it could be a great ally on your financial path.

Opus Credit Card: credit essentials at no fees 

See how you can improve your financial management with this credit card. Source: The Mister Finance.
See how you can improve your financial management with this credit card. Source: The Mister Finance.

An Opus Credit Card might be great for those looking for convenience, as shown in this review.

The card has no fees. Although the APR might be quite high, you can access money transfers less expensive than taking money from a cash machine.

Opus credit card

How to apply for the Opus Credit Card?

Learn how to apply for an Opus Credit Card and move money as you want at reasonable costs. It is simple, and you can check your eligibility.

Credit ScoreNot disclosed
APR49.9% (representative and variable)
Annual Fee£0
FeesBalance transfers: up to 3% of the transaction (minimum £3);
Money transfers: up to 3% of the transaction (minimum £3);
Cash transactions: 5% of the transaction (minimum £4);
Paper copies of statements: Foreign exchange conversion charge: 2.95%;
Late payment: £12;
Returned payment: £12;
Overlimit fee: £12;
Trace fee: £20
Welcome bonusNone
RewardsNone

Unfortunately, there are no rewards or welcome bonuses. But from time to time, Opus features promotional offers. Then, continue reading to learn the details.

How does the Opus Credit Card work?

An Opus card is suitable for those looking for the following benefits:

  • Money transfers;
  • Credit building;
  • Flexibility and convenience.

To sum up, you can get access to an amazing card that allows you to easily move money in a cheaper way to avoid expensive cash machine fees.

Also, the card offers an eligibility check with no impact on your credit rating. So, less-than-perfect applicants may get easier approval than when applying to other credit card options available on the market.

As shown on the Opus Credit Card review, the card has no fees. Although the APR is quite high, you may enjoy the fact that Opus gives you the flexibility you need at reasonable costs.

Plus, you must be careful about not delaying when paying your bills, as you would do with any other credit card, no matter how low the APR is.

Besides, you can change the due dates up to three times per year. Flexible enough to help you with your finances, then!

This card offers a good range of credit limits, from £250 to £1,200.

Not to mention that it allows you to use your Digital Wallet, as well as sends alerts so that you won’t forget to manage your account.

Opus Credit Card benefits

This credit card offers flexibility with no annual fee. Source: Opus.
This credit card offers flexibility with no annual fee. Source: Opus.

As mentioned before on the Opus Credit Card review, this card suits applicants needing to move money directly into their bank accounts easily and flexibly.

Additionally, there are no annual fees, and you can build credit while managing your card through an amazing app.

Pros

  • It doesn’t charge an annual fee;
  • It offers an eligibility check;
  • Credit limits range from £250 to £1,200;
  • Promotional offers are featured from time to time;
  • It features an amazing app;
  • It offers flexible payment dates plus allows you to use your digital wallet. 

Cons

  • APRs are quite high.

Pre-approved credit cards for low credit score available now

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How good does your credit score need to be?

Even though this information is not fully disclosed, you don’t need to have a perfect credit score since this card helps you build credit if you use it responsibly.

How to apply for an Opus Credit Card?

If you want to move cash at reasonable costs, learn how to apply for an Opus Credit Card in the following post!

Opus credit card

How to apply for the Opus Credit Card?

Learn how to apply for an Opus Credit Card and move money as you want at reasonable costs. It is simple, and you can check your eligibility.

About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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