When choosing a credit card, everyone wants it to match their lifestyle and give them real value.These days Pulse Credit Card are becoming popular among users. But the question is it worth it? In this review article, we will explore the Pulse credit card in detail, look at the customer reviews, and help you decide if it’s a fit for you.
What is the Pulse Credit Card?
The Pulse Credit Card is a modern financial product aimed at people who want both rewards and flexibility. It is issued by NewDay and runs on the Mastercard network, so you can use it worldwide. If you are a student starting your financial journey or a professional looking for extra perks, the Pulse Credit Card claims to be a good option.
It is designed to offer valuable benefits while helping you build your credit score. But before applying, you should know about its features.
Key Features of the Pulse Credit Card
Here are some of the features of the Pulse Credit Card:-
| Feature | Details |
|---|---|
| Rewards Program | Earn 0.25% cashback on all purchases, capped at £150 per year |
| Annual Fee | £0 (No annual fee) |
| Interest Rate | Follows existing NewDay cardholders’ rate (varies individually) |
| Foreign Transaction Fee | Standard Mastercard rates (exact % not specified) |
| Credit Limit | Your existing NewDay credit limit is carried over |
| Fraud Protection | Standard Mastercard zero-liability protection |
| Contactless Payments | Supports tap to pay, Google Pay, and Apple Pay |
| Extras | 24/7 account management via the Pulse mobile app |
These features make it competitive compared to other mid tier credit cards.
Benefits of Using the Pulse Credit Card
Here are some of the major benefits of Pulse Credit Card:-
- Travel Assistance – Access to Mastercard travel services, including emergency card replacement and Mastercard Global Service.
- Exclusive Offers – Enjoy personalized discounts on shopping, dining, and entertainment via the Pulse app.
- Enhanced Security – EMV chip protection, zero-liability fraud policy, and Mastercard SecureCode.
- Digital Features – Full account control via the Pulse app such as manage spending, payments, and alerts easily.
- Credit Building – Helps improve your credit score by reporting to major UK credit reference agencies.
It is a simple card with practical benefits, especially if you like cashback along with convenience. 5 Best UK Travel Credit Cards
Pulse Credit Card Pros and Cons
Like every credit card, the Pulse Credit Card has its strengths and weaknesses. Let’s take a quick look at what makes this card a good choice and where it might fall short.
Pros
- No annual fee – You pay nothing to keep the card active.
- 0.25% cashback – Earn cashback on everything you spend.
- Easy account management – The Pulse app helps you track spending, pay bills, and stay organized.
- Strong security – EMV chip and zero-liability protection keep your money safe.
- Global acceptance – Use it anywhere Mastercard is accepted.
- Exclusive offers – Enjoy discounts on dining and shopping.
- Credit builder – Pulse reports to major UK credit agencies to help grow your credit score.
Cons
- Cashback limit – Cashback maxes out at £150 per year.
- Foreign transaction fees – Standard Mastercard fees apply for international purchases.
- Variable interest rates – Rates depend on your existing NewDay account.
- No premium perks – Lacks extras like airport lounge access or travel insurance.
- NewDay customers only – You need an existing NewDay card to qualify.
If you pay off your balance each month and spend mostly in the bonus categories, this card could suit you well. 10 Best Start up Business Credit Cards
Pulse Credit Card User Reviews and Ratings
We looked at real user feedback from platforms like Trustpilot and Reddit. The card holds an average rating of 4.1 out of 5 stars.
Positive Reviews
Users like the smooth application process and the easy-to-use mobile app. Many say it’s a solid choice for everyday purchases like groceries and fuel. One customer shared, The app is smooth, and I got approved in minutes.”
Negative Reviews
Some cardholders aren’t happy with the foreign transaction fees or the annual fee kicking in after the first year. One user mentioned, “I wish they waived the foreign transaction fee. Otherwise, solid card.”
Overall, most people seem satisfied with the rewards and customer service.
Who Should Consider the Pulse Credit Card?
This card works best for people who-
- Spend regularly on groceries, gas, and dining
- Prefer cashback over travel points
- Pay their balance in full each month to avoid interest
- Want a card that’s simple to manage online or via an app
- Are building or rebuilding their credit
However, if you travel internationally often or tend to carry a balance, you may want to look elsewhere. 5 Best Student Credit Cards UK
How to Get a Pulse Credit Card
The Pulse Credit Card is not available to the general public for new applications. It is an invitation-only credit card. Here is how the process works for eligible users:
- Invitation: NewDay sends an invitation to existing cardholders whose current co-branded credit cards are being discontinued or rebranded.
- No Hard Credit Check: Because you are an existing NewDay customer, transitioning to the Pulse card does not require a new hard credit check, so there is no new footprint on your credit file.
- Seamless Transfer: Your existing credit limit, interest rates, and any outstanding balances are automatically carried over to your new Pulse account.
- Activation: Once you receive the Pulse card in the post, you simply activate it via the Pulse app or Online Account Manager using your existing NewDay login details.
Pulse Credit Card vs Competitors
The Pulse Credit Card stands out among competitors by offering simple cashback on everyday purchases. Let’s compare it with other popular cards to see which one fits your lifestyle and spending habits best.
| Feature | Pulse Credit Card | Discover It Cash Back | Chase Freedom Flex | Capital One Quicksilver |
|---|---|---|---|---|
| Cashback | 0.25% cashback on all purchases, capped at £150/year | 5% rotating categories + Cashback Match first year | 5% on rotating categories + Chase Ultimate Rewards | 1.5% flat cashback on all purchases |
| Annual Fee | No annual fee | No annual fee | No annual fee | No annual fee |
| Foreign Transaction Fees | Charges 2.99% | Charges 3% | No foreign transaction fees | No foreign transaction fees |
| App & Tools | 24/7 app and online account management | Easy-to-use app | Advanced app with travel tools | Simple, user-friendly app |
| Travel Perks | Basic travel perks (Mastercard acceptance worldwide) | Limited travel benefits | Strong travel rewards through Chase Ultimate Rewards | Limited travel perks |
| Simplicity | Simple cashback on all purchases | Requires tracking rotating categories | Requires tracking rotating categories | No categories to track |
Conclusion
The Pulse Credit Card is a solid choice for people who spend mainly on daily essentials and want simple cashback. It offers competitive rewards, easy account management, and helpful perks. However, it’s less appealing for frequent travelers or those who want to avoid annual fees long-term.
It’s not for everyone, but someone who wants steady cashback and easy credit-building tools can be a great option for the right user.
If you have any question feel free to ask in the comment section and make sure to do share this with your friends and colleagues.
Does the Pulse Credit Card have an annual fee?
No, the Pulse Credit Card has no annual fee.
Can I use the Pulse Credit Card for international purchases?
Yes, you can use it worldwide wherever Mastercard is accepted, but it carries a 2.99% foreign transaction fee.
Is the Pulse Credit Card available to everyone in the UK?
No, the Pulse Credit Card is available by invitation only to existing NewDay cardholders.
Hello, I’m Emily Hart, a finance writer focused on UK personal finance and consumer credit. I research and review UK credit cards, loans, and financial products to help readers understand their options and make informed decisions. My work is grounded in careful analysis of product features, terms, and publicly available information, with the goal of presenting complex financial topics in a clear and practical way
