Opus Credit Card for Bad Credit in the UK with Money Transfers, No Annual Fee and Ways to Boost Your Credit Rating

The Opus Credit Card is a practical option for people in the UK with a poor credit history who need flexible access to cash and a route to rebuild their credit rating. With no annual fee and a money transfer feature, it can be a useful tool when used carefully and strategically.

Key features of the Opus Credit Card

The Opus Credit Card provides a money transfer facility that lets you move funds from the card to your bank account, which can be handy for emergencies or consolidating short-term bills. It carries a representative APR on purchases of 39.9% variable and charges a money transfer fee of £3 or 3% (whichever is greater), with cash withdrawals attracting a higher APR.

There is no annual fee, which keeps ongoing costs lower than many other cards aimed at people with bad credit. The card also offers text alerts to remind you when payments are due, helping you avoid missed payments and build a better credit score over time.

Costs, fees and how to avoid them

Interest on money transfers starts immediately, so transfers should be used sparingly and repaid quickly to minimise interest charges. Cash advances are especially costly with an elevated APR, so avoid using the Opus card as a regular source of cash if you can.

To keep costs down, set up a direct debit for at least the minimum payment and aim to clear as much of the balance as possible each month. Monitoring your balance online or via mobile and keeping utilisation below about 30% will reduce interest outlay and support credit building.

How it helps rebuild your credit rating in the UK

Responsible use of the Opus Credit Card can contribute positively to your credit file, provided the account activity is reported to the UK credit reference agencies. Making timely payments, keeping balances low and using the card regularly but responsibly are the main levers to improve your credit rating.

Registering on the electoral roll, checking your file with Experian, Equifax or TransUnion and using soft-search eligibility tools before applying will improve your chances and protect your score. Small, consistent wins—like on-time payments—are what lenders look for when reassessing risk.

Practical tips and alternatives

Use the Opus card’s money transfer feature only when necessary, and prioritise paying down transferred amounts first to reduce interest. Compare offers from other bad credit providers such as Vanquis, Capital One Classic and Tesco Foundation to find better rates or features that suit your situation.

Try a soft-search eligibility check before applying to see likely approval odds without affecting your score, and consider setting payment alerts or budgeting tools to stay on track. With disciplined use the Opus Credit Card can be a stepping stone toward a healthier credit profile in the UK.