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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
British Bank Awards Best Credit Card Provider logo
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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.

Zopa "Z"

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

You might not be going far just now, but next time you do, we won’t charge you any fees.

Helpful humans

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

British Bank Awards

An award-winning credit card

Less than a year after launching, we’re absolutely chuffed to be named Best Credit Card Provider at the British Bank Awards 2021. Organised by the Smart Money People, the awards are voted for and decided by the people that matter most, our customers. We’re hugely proud of winning this award for the first time, 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 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