Monzo Max
Cash back
Monzo Max
Monzo - Mastercard - Debit card
4.5
4.5 out of 5
9.0/10
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Head-to-head
Monzo Max vs Zopa Credit Card
Compare Monzo Max and Zopa Credit Card side by side: fees, rewards, APR, and perks.
Last verified
Zopa Credit Card
No rewards
Zopa Credit Card
Zopa Bank - Visa - Credit card
4.4
4.4 out of 5
8.8/10
Apply now
Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Monzo Max | Zopa Credit Card |
|---|---|---|
| Card fee | £17 GBP/mo (≈ $21) | No fee |
| Purchase APR (from) | - | 9.9% |
| Interest-free period | - | 56 days |
| Foreign transaction fee | 0% | 0% |
| Rewards | All Perks-tier rewards plus: 3.25% AER on savings pots, Billsback (chance to have bills covered up to £150/month), and retailer cashback offers. Family insurance add-on available for £5/month. | - |
| Installments | - | - |
| No card fee | - | |
| No foreign transaction fee | ||
| Welcome bonus | - | - |
| Airport lounge access | - | - |
| Travel insurance | - | |
| Apple Pay / Google Pay |
Which is right for you
Pick by how you spend
- Choose the Monzo Max if its checked rows above line up with how you spend most.
- Choose the Zopa Credit Card if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
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