NewDay Ltd Review, Offers, Rates & Alternatives
NewDay Ltd is a UK consumer credit company behind several credit card brands, including Aqua, marbles and the Pulse card. Giraffy lists two NewDay-issued cards: the marbles Mastercard, a credit-builder card at 34.9% representative APR (purchases and ongoing balance transfers at 34.9% p.a.) with up to 56 days interest-free on purchases paid in full and a credit limit review after 3 months; and the Pulse Card, an invitation-only cashback Mastercard for existing NewDay customers paying 0.25% cashback on qualifying purchases (up to £150 a year), 1% in the first 3 months, with no annual fee. NewDay cards suit people building or rebuilding a credit score; if your credit is good, low-APR cards from mainstream banks usually cost less.
Live offers
- marbles Mastercard
- Pulse Card
| Provider | NewDay Ltd |
|---|---|
| Provider type | UK credit card issuer (Aqua, marbles, Pulse) |
| marbles Mastercard | 34.9% representative APR, credit builder |
| Pulse Card | 0.25% cashback (up to £150/year), 1% for first 3 months, invitation-only |
| Annual fee | £0 on both listed cards |
| Alternatives | Capital One, Aqua, Fluid |
Best for
- People building or rebuilding a UK credit score
- Existing NewDay customers invited to the Pulse cashback card
Not ideal for
- Borrowers with good credit — 34.9% APR is well above mainstream bank cards
NewDay credit cards
Two NewDay-issued Mastercards are listed on Giraffy.
- marbles Mastercard: 34.9% representative APR; purchases and balance transfers 34.9% p.a.
- marbles: up to 56 days interest-free on purchases paid in full; credit limit review after 3 months; Apple Pay and Google Pay
- Pulse Card: 0.25% cashback on qualifying purchases up to £150 a year, 1% in the first 3 months
- Pulse Card: invitation-only for existing NewDay customers, no annual fee
Best for: Credit building with a card you clear in full every month.
NewDay Ltd vs alternatives
NewDay Ltd vs Capital One
Credit-builder cards from a large US-owned issuer. NewDay vs Capital One: both offer credit-builder Mastercards with high APRs. Compare representative APR and starting limits on Giraffy's UK credit cards page.
NewDay Ltd vs Aqua
NewDay's own credit-builder brand. Aqua is issued by NewDay too; compare it with marbles if you are choosing between NewDay brands.
NewDay Ltd vs Fluid
Another UK credit card brand listed on Giraffy. NewDay vs Fluid: compare representative APR and balance transfer terms on Giraffy before applying.
NewDay Ltd in United Kingdom — FAQ
Who are NewDay Ltd?
NewDay Ltd is a UK consumer credit company that issues credit cards under its own brands, including Aqua, marbles and Pulse. If a card statement or credit report shows 'NewDay Ltd', it is likely one of these cards.
Who owns the marbles credit card?
marbles is a NewDay brand. Giraffy lists the marbles Mastercard as a credit-builder card at 34.9% representative APR with up to 56 days interest-free on purchases paid in full.
What is the NewDay Pulse card?
Pulse is an invitation-only cashback Mastercard for existing NewDay customers. It pays 0.25% cashback on qualifying purchases (up to £150 a year), 1% in the first 3 months, with no annual fee.