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Zopa Bank Credit card
Zopa Credit Card
No rewards
VISA
Apply for Zopa Credit Card

On Zopa Bank's secure site

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Credit card Zopa Bank Visa

Card review

Zopa Credit Card

4.4 4.4 out of 5 8.8/10 DebitCue Score Verified

A personalised-rate Visa with no annual fee and no foreign transaction fees

Fee
No fee
Purchase APR
9.9% - 34.9%
Interest-free
56 days
Foreign fee
None

Our verdict

What stands out, and where it falls short.

What we like

  • No card fee
  • No foreign transaction fees
  • 56-day interest-free period

Worth weighing

  • No rewards programme
  • High interest if you carry a balance

Who It Is For

Whether the Zopa Credit Card fits how you actually spend.

Pick it if you are

  • Anyone who wants a low-cost everyday card
  • Frequent travelers

Skip it if you are

  • Rewards-chasers

Rates and fees

As of

All amounts shown in GBP.

Card fee
No fee
Purchase APR
9.9% - 34.9%
Interest-free period
56 days
Foreign transaction fee
None
Representative APR
34.8% variable
APR range
9.9%–34.9% variable (personalised)
Interest-free period
Up to 56 days on purchases if balance cleared in full
Cash advance fee
£3 per transaction; interest charged from transaction date
Late payment fee
£12

Rewards and features

Pay with
Apple Pay, Google Pay, Contactless
Credit limit range
£250–£1,500 (subject to credit assessment)
Balance transfers
Not available on this card (separate balance transfer product exists)

Benefits and perks

Extras that come bundled with the card.

  • No foreign transaction fees
    0% fee on all overseas card purchases worldwide wherever Visa is accepted
  • Credit Cushion
    Set aside a portion of available credit in a separate pot for emergencies, preventing accidental overspend

Eligibility

What you need before you apply.

Minimum income
£10,000 per year
Minimum age
18
UK residency
Must be a UK resident for at least 1 year and on electoral roll

Zopa Credit Card: your questions answered

Does the Zopa Credit Card have a card fee?
No - the Zopa Credit Card has no card fee.
Does the Zopa Credit Card charge foreign transaction fees?
No - the Zopa Credit Card has no foreign transaction fees, so it suits spending abroad.
Is there an interest-free period on the Zopa Credit Card?
Yes - up to 56 days interest-free when you pay your balance in full by the due date.
What is the interest rate on the Zopa Credit Card?
The Zopa Credit Card has a purchase APR of 9.9% - 34.9%.
Is the Zopa Credit Card a credit, debit or prepaid card?
The Zopa Credit Card is a credit card issued by Zopa Bank on the Visa network.
Does the Zopa Credit Card support Apple Pay and Google Pay?
Yes - the Zopa Credit Card works with both Apple Pay and Google Pay.
Where can I get the Zopa Credit Card?
The Zopa Credit Card is currently offered in United Kingdom.
How does DebitCue rate the Zopa Credit Card?
DebitCue rates the Zopa Credit Card 4.4 out of 5 (8.8/10), scored on the same factors as every card - fees, rewards, perks and ease of use.
How do I apply for the Zopa Credit Card?
Use the Apply now button to continue on Zopa Bank's secure site. Comparing and applying through DebitCue is free.

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