A Credit Card that puts you in control
Rates from 9.9%, Representative example: 34.9% representative APR variable based on an assumed credit limit of £1200. 34.9% p.a. variable purchase rate.
To learn more about our card compared to other providers see our Summary Box. Credit is subject to status, affordability and applicable terms and conditions.Apply online
Manage your card effortlessly
Our simple app makes managing your money easy. See your PIN, download statements, see your spends and much more, all on the go.
Spending at your fingertips
Stay in control with instant payment notifications and real-time balance updates.
Safe and secure
Instantly freeze your card in the app if you notice anything unusual, and report your card as stolen immediately.
Ready for life’s surprises
Our new safety net feature lets you set aside some of your available credit balance. Just choose an amount and we’ll keep it separate from your available credit balance. Then, it’s ready to tap into when you really need it.
More features on the way
We’ve added some new features, like spend tracking so you can see where your money’s going and a to-do list to get the most out of your card. And there are more on the way, so watch this space!
Why choose a Zopa Credit Card?
View your PIN
They’re easy to forget, so we’ve made it simple to view it in the app.
Shop with confidence
Combat fraud by instantly freezing your card if you spot an unusual transaction.
Set up automatic monthly payments easily in the app.
Helpful humans on hand
Our award-winning customer service team is on hand if you need them.
No fees abroad
You might not be going far just now, but next time you do, we won’t charge you any fees.
What our customers think
Have had a great experience with this…
Based on 15162 reviewsRead more reviews
British Bank Awards
Best Personal Loan Provider
For the fourth year in a row, Zopa has been named the British Bank Awards’ Best Personal Loan Provider. We were also highly commended in the Best Alternative Finance Product category. Organised by the Smart Money People, the awards are voted for and decided by the people that matter most, our customers and their genuine opinions. We’re hugely proud of winning this award again, so thank you to everyone that voted for us!See our awards