NewDay review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
NewDay suits people in the UK who want a credit card without an annual fee and want to build a poor credit history. It charges an APR of 39.9%, so balance it carefully, and a balance transfer offer runs for 5 with a 3% fee.
Key facts
- Best for
- Rebuilding credit with no annual fee to pay.
- Annual fee
- £0 (Source, checked September 26, 2026)
- APR
- 39.9% (Source, checked September 26, 2026)
- Balance transfer intro period
- 5 months (Source, checked September 26, 2026)
- Balance transfer fee
- 3% (Source, checked September 26, 2026)
- Credit needed
- Poor (Source, checked September 26, 2026)
- Perks
- 24/7 fraud protection, Free credit score checks and Aqua Coach credit building tool in the app, UK-based award-winning call centre support, Text payment reminders, Contactless Mastercard accepted at over 35 million places, Apple Pay and Google Pay digital wallet, Instalment plans for larger purchases, Potential credit limit increases if the account is managed well (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- NewDay Ltd (Source, checked September 26, 2026)
- Headquarters
- United Kingdom (Source, checked September 26, 2026)
- Support channels
- Phone, Chat, Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Official website
- newday.co.uk
Pros and cons
Pros
- No annual fee, so nothing to pay just for holding the card, and it ranks 1 of 301 on annual fee
- Free credit score checks and a credit building tool in the app, with potential credit limit increases if the account is managed well
- Fraud protection around the clock and a UK-based call centre, with support on phone, chat and help centre
- Contactless Mastercard accepted widely, plus Apple Pay and Google Pay in the app
Cons
- APR of 39.9% is well above the bad credit card median of 9.75%
- The balance transfer offer carries a 3% fee for 5
- It is aimed at people with poor credit, so the offer is narrow
Who it suits
- People in the UK with poor credit who want a card that helps them build a score
- Borrowers moving an existing balance and ready to pay a 3% transfer fee
- Customers who want an app with free credit score checks and text payment reminders
Who should look elsewhere
- Anyone carrying a balance month to month, because 39.9% is high
- People after cashback or points, as the card is a credit building tool rather than a rewards card
- Borrowers wanting a long interest free period, since the transfer offer runs 5
Rates and terms
The card charges an APR of 39.9%, which is the number to weigh before you apply. If you are moving a balance from another lender, the transfer offer lasts 5 and costs 3%. There is no annual fee to pay for holding the account, so the cost sits in the interest you borrow at 39.9% rather than in a yearly charge.
How NewDay compares
8.9 vs 9.0
8.9 vs 8.9
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8.9 vs 8.0
Where NewDay is available
- Available
- United Kingdom
- Licence in United Kingdom
- Financial Conduct Authority (690292), checked September 26, 2026
- Licence in United Kingdom
- Financial Conduct Authority (NewDay Cards Ltd) (682417), checked September 26, 2026
- Licence in United Kingdom
- Financial Conduct Authority under the Payment Services Regulations 2017 (555318), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Does NewDay charge an annual fee?+
The card has an annual fee of £0, so there is no yearly cost for holding the account. That sits alongside an APR of 39.9%, which is what you pay when you borrow. The card is a credit building tool, so the interest rate matters more than a yearly charge.
What APR does the NewDay card charge?+
The APR is 39.9%. That is higher than the bad credit card median of 9.75% and the credit card median of 20.85%, so it is worth clearing balances quickly. If you can move a balance, the transfer offer may help.
Can I transfer an old balance to NewDay?+
Yes, a balance transfer offer runs for 5 and carries a 3% fee. That is the trade to think about: you pay a one off fee to move debt and get some breathing room. The card itself is a credit card, not a debt management product.
Who is the NewDay card aimed at?+
The card targets people with poor credit, who often find mainstream cards closed to them. It is a credit building tool rather than a rewards card, and the app includes free credit score checks to track progress. Potential credit limit increases are offered if the account is managed well.
Is my money protected and who regulates NewDay?+
NewDay Ltd is authorised and regulated by the Financial Conduct Authority in the UK, under 690292, and NewDay Cards Ltd is regulated under 682417. The card also carries fraud protection around the clock for transactions on the account.
What support can I get?+
Support runs on phone, chat and help centre, and the card comes with a UK-based call centre. You can also use text payment reminders to keep on top of repayments, which matters more on a high APR card than a points offer would.
Can I pay by phone in the app?+
The card is a contactless Mastercard and both Apple Pay and Google Pay work in the app. Instalment plans are offered for larger purchases, and the app also carries free credit score checks. None of these change the APR of 39.9% if you carry a balance.
Is there a mobile app?+
Yes, the app holds the credit building tool, Aqua Coach, alongside free credit score checks, digital wallets and payment reminders. The account is operated from the UK, with support handled through phone, chat and help centre for questions beyond the app.
Sources
- newday.co.uk checked September 26, 2026
Backs: Support channels
“Customer Call Centre NewDay House, Bruntcliffe Way, Morley, Leeds, LS27 0JG. For all customer enquiries: 0333 220 2532”
- newday.co.uk/site-services/company-registration-details checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“The registered office for these companies is: 7 Handyside Street, London, N1C 4DA.”
- aquacard.co.uk/credit-cards/aqua-classic checked September 26, 2026
Backs: Annual fee, APR, Credit needed, Pricing model, Perks
“Unlike some other credit cards, there are no annual fees with the Aqua Classic card.”
- aquacard.co.uk/credit-cards/balance-transfer-credit-card checked September 26, 2026
Backs: Balance transfer fee, Balance transfer intro period, Card kind
“With an Aqua balance transfer, a fee of 3% (minimum GBP 3) is applied to each transfer, which is non-refundable once the transfer process has started.”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Rewards type.