MoneySuperMarket is a credit broker not a lender. You must be 18 or over and a UK resident.
Zable is a UK-based credit card provider offering simple, flexible credit for a wide range of borrowers. It focuses on accessible lending, with an easy online application and credit-building features.
Unlike traditional banks, Zable operates entirely online, providing a straightforward way to manage accounts through its app. It offers clear pricing with no annual fees, though interest rates vary based on individual circumstances.
Zable’s credit cards are focused on helping customers build their credit score. Its card has the following features:
Zable’s credit card is designed to help those with limited or poor credit history improve their credit score. It offers a manageable credit limit and reports to major credit reference agencies, making it a useful option for building credit over time.
Zable’s credit card has no annual fees, no foreign transaction fees, and no hidden charges. It provides a simple way to borrow while avoiding extra costs, though interest rates will vary based on individual circumstances.
Zable offers a flexible approach to borrowing, with instant decisions and the ability to manage everything through its app. Credit limits can also be adjusted over time.
The right Zable credit card for you will depend on your credit history and personal financial circumstances. Keep the following in mind when choosing:
If you have struggled to get credit elsewhere, a credit builder card could help improve your credit score over time, as long as you make repayments on time
If you already have a good credit score, you may find alternative lenders offer higher credit limits and lower APRs, making borrowing more affordable
If you want a straightforward option, Zable’s low-fee structure means no annual fees or foreign transaction fees, but always check the interest rate before borrowing
Be confident you can meet repayments every month, as missing payments could lead to extra charges and further damage y
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To qualify for a Zable credit card, you will need to meet the following basic criteria*:
You must be at least 18 years old to apply for a Zable credit card
Applicants must be UK residents with a permanent address in the UK for at least 36 months
If you already have a Zable credit card, you won’t be eligible to apply for another one
You will need to earn a minimum monthly income of £800 to apply for a Zable credit card
*Meeting the criteria does not guarantee acceptance
With MoneySuperMarket, finding the right credit card is simple. Our smart search tool matches you with top deals, all while protecting
Provide some quick details about your financial situation and what kind of credit card suits your needs
We check offers from multiple lenders and highlight cards that fit your criteria, whether it’s for spending, travel, or building credit
Sort by interest rate, perks, or chance of approval to find a card that works for you – then apply with confidence
A virtual credit card lets you make purchases directly from your phone using Apple Pay or Google Pay, meaning no need to carry a physical card. It's perfect for on-the-go spending and provides an extra layer of security. If you're eligible, you can start using your virtual card right away, while waiting for your physical card to arrive. It’s an easy way to manage your spending and keep your card details secure.
Zable’s credit card app allows you to manage your card on the go. You can track spending, make payments, check your balance, and even freeze your card if necessary. The app offers instant notifications to help you stay on top of your finances.
If you miss a repayment, Zable may charge a late payment fee and your credit score could be affected. Late payments can also result in higher interest rates on your outstanding balance. It's important to pay on time to avoid these consequences.
Yes, Zable offers credit builder cards, which are designed for people with no credit history or bad credit. By using the card responsibly, you can improve your credit score over time, as long as you make timely payments.
Zable may increase your credit limit after you've demonstrated responsible card use, such as making on-time payments. You can request an increase through their app, but approval is subject to your creditworthiness and financial situation.
It’s best to pay off your entire credit card balance every month if you can afford to – this way you won’t pay interest and you can avoid building up debt. If you can’t afford to pay off the full balance, you must pay off at least the minimum monthly payment – ideally more.
Avoid missing credit card payments – credit card providers will often charge a penalty if you miss a payment and you also risk harming your credit score.
Setting up a direct debit could be a good way to ensure you pay off at least the minimum amount of your credit balance each month.
Each time you make an application for a credit card, it leaves a record – known as a ‘hard search’ - on your credit report. Too many applications can make lenders think you are in desperate need for credit and your application may be rejected.
Some credit cards have extra benefits that reward you when you use them a certain way. While some of them can be tempting, it’s better to get a credit card that will give you rewards for the way you spend already.
For example, an airmiles credit card. or one that earns you Avios travel-related points, is only going to be useful if you’re a regular flyer, but if you’re a regular shopper at a particular high street store, there might be a credit card that gives you cashback for shopping there.
If you’re planning to use your credit card overseas, check whether or not you’ll be charged for doing so. Many credit cards charge fees for foreign transactions, so it can be a good idea to look for a card that won’t charge you for using it abroad.
Some credit cards will charge a fee if you use them to take cash out of a cash machine, and on top of that you’ll be charged interest from the moment you receive your money. Avoid using your credit card for cash withdrawals unless it’s an emergency.
Credit card fraud, like any fraud, is serious – you should always take care when using your credit card and be careful where you keep it. Never tell anyone your PIN and regularly check your statements every month – or if your credit card has an app, check that regularly - to make sure there are no surprises.
MoneySuperMarket gives you lots of clever ways to save a lot, by doing very little.
Take control of your credit score by checking and improving it for free with Credit Score
Never overpay again with Energy Monitor, our energy monitoring service
Earn rewards of up to £130 per year when you make a qualifying purchase with SuperSaveClub
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Reviewed on 1 May 2026 by
