Zopa credit card

  • Best Credit Card Provider at British Bank Awards 2021

  • Apply online, manage everything in our simple app

  • Instant eligibility check with no impact to credit score

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Average star score of 4.5 in trustpilot

Rates from 29.2%, Representative example: 34.9% representative APR variable based on an assumed credit limit of £1200. 34.9% p.a. variable purchase rate.

Check my eligibility

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.

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. With spend tracking you can see how you’re spending in one handy space.

A Credit Cushion for life’s surprises

Our Credit Cushion 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.

A to-do list to get started

With our to-do list, you can quickly get started with important actions on your card like setting up an automatic payment and viewing your PIN.

Why choose a Zopa credit card?

Easy payments

Make debit card payments and set up automatic monthly payments, all in the app.

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.

No fees abroad

It's a great travel partner - we don't charge fees for using your card while abroad.

Helpful Humans

Our award-winning customer service team is on hand if you need them.

An award-winning credit card

Less than a year after launching, we were chuffed to be named Best Credit Card Provider at the British Bank Awards 2021. Then, we picked up the same prize again in 2024! These awards are voted for by the people that matter most, our customers. We’re hugely proud of winning this award again, so thank you to everyone that voted for us. 

See our awards

A credit card that puts you in control

  • Apply online and manage everything in our simple app

  • Get instant payment notifications and real-time balance updates

  • Use our Credit Cushion feature to stay on top of your spending at any time

Rates from 29.2%, 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