Travel card
Zopa’s credit card is a good option for spending abroad, with no foreign transaction fees on purchases. This makes it a useful choice for frequent travellers looking to avoid extra charges.
See our range of Zopa credit cards
Check your eligibility without harming your credit score
See your likelihood of approval before you apply
MoneySuperMarket is a credit broker not a lender. You must be 18 or over and a UK resident.
Zopa is a digital bank in the UK that started as a peer-to-peer lender before expanding into full banking services. It focuses on straightforward financial products, including loans, credit cards, and savings accounts.
Zopa operates entirely online, offering a user-friendly app for managing finances. It aims to provide competitive rates and flexible options, particularly for borrowing and saving.
Zopa offers credit cards designed for flexible spending and money management, including:
Zopa’s credit card is a good option for spending abroad, with no foreign transaction fees on purchases. This makes it a useful choice for frequent travellers looking to avoid extra charges.
Zopa offers a straightforward low-rate credit card, providing a consistent interest rate on purchases. This can be a helpful option if you tend to carry a balance to the following month and want to keep interest costs down.
Zopa’s credit card is designed for digital-first management, with real-time spending insights, instant notifications, and flexible payment controls via the app. It gives users more control over their borrowing and repayments.
Whether the Zopa credit card is right for you will depend on your financial circumstances and how you plan to use it. Keep the following in mind when choosing:
If you’re looking for a digital-first credit card, Zopa’s app-based features give you real-time spending insights and flexible payment controls
If you need a balance transfer, purchase, or credit builder card, you may want to explore other providers, as Zopa does not currently offer these options
If you travel frequently, Zopa’s credit card has no fees on overseas spending, making it a convenient choice for use abroad
Be sure you can meet repayments every month, as missing payments could lead to extra costs and damage your credit score, even with Zopa’s award-winning customer service
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
To be eligible for a Zopa credit card, you must meet the following criteria*:
You must be at least 18 years old and have lived in the UK for at least one year
An annual income of at least £10,000 before tax
You’ll need at least two active credit lines, such as a phone contract and an overdraft, registered to your UK address
A strong track record of repaying debts, such as credit cards or utility bills, will improve your chances of approval
*Meeting the criteria does not guarantee acceptance
MoneySuperMarket makes finding the right credit card stress-free. Our eligibility checker gives you personalised results without impacting your credit score.
Tell us about your financial situation and what you’re looking for – whether it’s cashback, rewards, or a low interest rate
We compare top deals across the market, so you don’t have to – showing you only the cards that match your needs
Easily compare your options by APR, benefits, and approval chances to make an informed decision
Zopa credit cards offer a user-friendly digital experience with no annual fees, low interest rates, and the ability to track your spending via their mobile app. They also provide features like smart credit limits based on your creditworthiness.
You can apply for a Zopa credit card online via their website. You’ll need to provide personal details, proof of income, and undergo a soft credit check to determine your eligibility without impacting your credit score.
Zopa credit cards are available to those with good to excellent credit scores. If your credit is poor, you may need to improve your score before applying, as Zopa generally caters to responsible credit users.
Missing a payment could result in a late fee and higher interest rates. It may also negatively impact your credit score, making it harder to get credit in the future. It’s important to contact Zopa if you're struggling with payments to discuss options.
Zopa credit cards typically have no annual fees and offer competitive interest rates. However, fees may apply for late payments or exceeding your credit limit. Always read the terms and conditions to understand any applicable charges.
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.
If you’re applying for a credit card, you might be able to find a better deal if you look through offers from different providers before taking one out. With MoneySuperMarket you’ll be able to search through multiple credit card deals and compare them by a range of factors, including their interest rates and any benefits and rewards they come with.
All you need to do is answer a few questions about yourself and your financial situation, and our Eligibility Checker will show your chances of being accepted for different credit cards. This won’t affect your credit score, so you can run a check without any worries.
Once you know which card you want, you can normally apply by phone, online, or in person if the provider has a high street branch. However, when you do apply, the provider will usually run a hard credit check – which will show up on your credit report – to confirm whether they’ll give you the card. If you’re accepted they’ll tell you your credit limit and interest rate, and soon you’ll be ready to start using your credit card.
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
So how do we make our money? In a nutshell, when you use us to buy a product, we get a reward from the company you’re buying from.
But you might have other questions. Do we provide access to all the companies operating in a given market? Do we have commercial relationships or ownership ties that might make us feature one company above another?
We commit to providing you with clear and informative answers on all points such as this, so we have gathered the relevant information on this page.