Pulse Credit Card Reviews 2025: Check Pros and Cons

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 Visa 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 Apply for a Pulse Credit Card

The process to apply for the Pulse credit card is simple.Follow the below step by step process to apply for the card:-

Visit the Official Pulse Credit Website

Go to the official website of Pulse Credit Card or the bank that issues it (Pulse is often associated with NewDay Ltd, which operates several credit card brands in the UK).

Check Your Eligibility

• Many providers will allow you to perform a soft eligibility check without affecting your credit score.
• Look for a “Check Eligibility” button on the website.

Gather the Required Documents

Make sure you have the following information ready:

• UK residential address history (last 3 years)
• Employment and income details
• A valid UK bank account
• Personal information like date of birth, nationality, etc.

Fill Out the Online Application Form

• Go to the application page and complete the form with accurate personal and financial details.
• The form will typically include sections for your income, employment status, and monthly outgoings.

Consent to Credit Check

• Pulse (via NewDay Ltd) will perform a hard credit check once you submit the application.
• This will appear on your credit report.

Get an Instant Decision

• Many applicants receive a decision within minutes.
• If approved, you will receive your card in the post within 7-14 business days.

Activate Your Card

Once you receive the card, follow the activation instructions provided. This can typically be done:

• Online via your Pulse account
• Over the phone through customer service

Set Up Account Access

• Register for online banking or mobile app access to manage your credit card, set up direct debits, and track your spending.

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.