How to Apply for an Opus Credit Card 2025 : Check Eligibility, Benefits

Discover how to manage your Opus Credit Card account, explore its features, and find the best alternatives as Opus stops accepting new applications.

Key Takeaways

• Opus Applications Closed: Existing customers can still use their cards, but new users need alternatives.
• Login Steps: Access your account via the official website or mobile app for seamless management.
• High APR: At 39%, Opus charged more interest compared to other credit-building cards.
• Best Alternatives: Consider Tesco Foundation, Zable, Bip, or Barclaycard Forward for credit-building needs.
• Secure Access: Use strong passwords and avoid public networks when managing your account.

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The Opus Credit Card once stood out as the best alternative for those looking to build or improve their credit scores in the UK. It was a favorite credit card for many customers due to its lack of annual fees and user-friendly features. However, Opus is no longer accepting new applications. If you are an existing customer, you can continue using your card without any changes, but new users will need to find some alternative cards.

In this article, I will discuss the process of how you can log in to your Opus Credit Card account, explore the features of the Opus Credit Card app, and, at last, provide you with some of the best alternatives to Opus Credit Card.

What is the Opus Credit Card?

The Opus Credit Card was among the first credit-building cards in the UK. It aimed to help people with low or no credit history improve their credit scores responsibly.

Opus Credit Card Applications Have Closed

Unfortunately, Opus is no longer accepting applications for new customers. However, existing customers can continue using credit cards without any difficulty. This decision leaves those interested in credit-building cards searching for alternatives.

You can follow the below steps to login your Opus Credit Card account.

Opus Credit Card Login

Just follow the below steps to login your Opus credit card account:-

• First of all visit the official website of Opus credit card.
• Next click on the Login Button.
• It will redirect you to Opus login Portal.

• Now, Enter your valid username and click on next.
• On the next page enter your password.

After entering your correct password you can login your Opus Credit card account.

Opus Card Mobile App

This app is for managing your Opus credit card account. You can view your balance, transactions, make payments, and manage your account settings. Follow the below steps to download the Opus Card Mobile App.

• Visit Google Play store if you are a Android user and App Store for the iOS user.
• Search opus card and Click on install
• After installing open the app.
• Enter your Username and password to login your account.

This app allows you the best experience and access to the latest features.

Opus Credit Card Features and Drawbacks

While the Opus Credit Card helps to build or improve credit scores, it charges a very high interest rate.

• High APR: At 39%, it charged more than most credit-building cards.
• Low Credit Limit: Starting at £1,200, it was less competitive compared to others offering up to £2,000.
• Minimum Income Requirement: A threshold of £5,000 was higher than competitors.

Working of Opus Credit Card

The Opus Credit Card was designed as a credit-building tool for individuals in the UK looking to establish or improve their credit scores. Here’s how it worked:-

Fee Structure
Unlike most credit-building cards, the Opus Credit Card did not charge an annual fee. Users only had to manage the interest rate, making it simpler to understand compared to cards with hidden fees. Ocean Credit Card

High APR
The card came with a high Annual Percentage Rate (APR) of 39%, which was higher than most other credit-building options, such as Barclaycard Forward or Asda Money Select, which typically charge around 34% to 35%.

Starting Credit Limit
The card offered a low starting credit limit of £1,200, which was less competitive compared to other cards that provided limits up to £1,500 or even £2,000. A higher credit limit is advantageous as it helps users maintain a low credit utilization ratio, a key factor in improving credit scores.

Income Requirement
To be eligible, applicants needed to have a minimum income of £5,000 annually. This threshold was relatively high compared to other credit-building cards, some of which required only £3,000 or even had no minimum income requirement at all.

No Rewards or Cashback
The card did not offer any additional benefits, such as rewards or cashback, which made it a more basic option for credit building.

Understanding Opus Safety Login

The Opus Safety Login feature ensures secure access to your account. Always use a strong password and avoid public networks when logging in.

Opus Credit Card Contact number

Contact the Opus Credit Card Customer Care using the below contact details, or else you can use the online support for a quick solution. You can also raise a complaint by visiting the website.

Purpose	Contact Number	Availability	Notes
Report Lost or Stolen Card	0333 414 1077	24/7	Standard national rate applies; check mobile rates before calling.
Customer Enquiries or Make Payments	0333 414 1077	Mon-Fri: 9am to 6pm Sat: 9am to 4pm	Closed on Sundays. Calls may be recorded or monitored.
Activate Opus Card	0808 156 6597	24/7	Automated service only; does not connect to an advisor.

Some of the best Alternative of Opus Credit Card

If you’re considering other options, here are some great alternatives:-

Tesco Foundation Card

Offers lower fees and a reasonable interest rate, making it a solid choice for beginners.

Zable and Bip Cards

Modern, app-based credit cards with an intuitive interface and competitive rates.

Asda Money Select Card

Perfect for those who prefer rewards and benefits, especially for shopping enthusiasts.

Barclaycard Forward

Provides cashback options and decreasing interest rates for consistent, responsible usage. 10 Best Start up Business Credit Cards

Conclusion

In this article, I have discussed the best possible ways to help you log in to your Opus credit card and suggested you some best alternatives to Opus cards.

Although new applications for the Opus Credit Card have closed, the existing customers can continue enjoying its features. For those seeking alternatives, options like Tesco Foundation and Barclaycard Forward offer compelling benefits.

Hope i have cleared all your queries regarding Opus Credit Card. Still if you have any queries please write in the comment section.Our team will try reply as soon as possible.

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