What is a Credit Cushion?

Updated 1 month ago

Small expenses always seem to pop up. Now the Zopa credit card can help you prepare for them, thanks to your Credit Cushion.

It lets you set aside some of your available credit balance so if an expense crops up that you hadn’t planned for - like a vet bill or a parking ticket - you’ll be able to tap into your Credit Cushion, instead of dipping into your monthly budget or any savings you have.

If you try the feature, don’t forget to leave your feedback in the app to help us to make your experience of it even better.

How does it work?

  • Choose your Credit Cushion amount and we’ll keep that amount separate from your available credit balance
  • We’ll decline any transactions that mean you’ll go into your Credit Cushion, so you can keep it safe for when you really need it
  • You can edit your Credit Cushion amount at any time – or switch it off
  • You can also unlock it at any time, if you need to dip into it for an unexpected expense

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