Zable Credit Card Review: Is it legit, safe, and worth it?
Editor, Credit Cards: Michelle Blackmore
Last Updated: August 22, 2025
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34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited who acts as a credit broker, not a lender.
The Zable credit card is designed to help people build or rebuild their credit score without charging the usual fees. It’s straightforward, app-based, and aimed at those with fair or limited credit history. There’s no annual fee, no foreign transaction charges, and regular credit limit reviews to help support your financial progress.
But is Zable legit? How does the card actually work? And is it worth considering if you’re trying to improve your credit score?
Here’s everything you need to know.
What is the Zable credit card?
The Zable credit card is a simple way to borrow money and build your credit score at the same time. It works like any normal credit card. You can use it to pay for your everyday expenses in shops, online, or abroad, then repay it ideally in full each month to avoid interest charges.
Everything is managed online, and applying takes just a few minutes. You can check your eligibility with a soft credit check, meaning there’s no impact on your credit score unless you go ahead and get approved.
You can check your eligibility for the Zable credit card with no impact on your credit score. It’s free and takes less than a minute.
Who owns the Zable credit card?
The card is owned and issued by Lendable Ltd, a financial services firm based in the UK and fully regulated by the FCA. Zable is the brand name.
How does the Zable credit card work?
Zable keeps things simple. You get a Mastercard you can use both online and in stores, including abroad, with no foreign transaction fees which makes it useful if you need a credit card with some travel credit card benefits.
Key features of the zable credit card:
- No annual fee
- Tap to pay (up to £100)
- App-based account tracking and reminders
- Interest-free period of up to 35 days if you pay your balance in full
The representative APR is higher than mainstream credit cards since it is a credit builder card. If you regularly pay off your balance during the interest free period, you can avoid charges and may help improve your credit profile over time.
Who can apply for the Zable credit card?
To apply for a Zable credit card, you must meet the following criteria:
- Be at least 18 years old and live in the UK
- Be employed with a monthly income of £800 or more
- Not already have a Zable card
- Not be bankrupt or have an active IVA
You can check your eligibility through a soft search that won’t affect your credit score. If you’re approved and decide to go ahead, Zable will then carry out a hard credit check as part of the final step.
How do I apply for a Zable credit card?
To apply for a Zable credit card, start by checking your eligibility online using a credit card eligibility checker. This won’t affect your credit score.
If you’re eligible, you’ll be asked to provide basic personal details and may be invited to link your bank account using Open Banking to improve your chances of approval. Once approved, you can use your virtual card immediately via Apple Pay or Google Pay, with the physical card arriving shortly after.
Before taking out any credit, always check the most recent terms offered to you from the provider. Make sure you’re clear on what’s being offered and any important conditions that apply.
How often do Zable increase credit limits?
Initial limits can go up to £2,000. Zable automatically reviews your account to see whether you qualify for a higher credit limit. You don’t need to request this yourself.
These credit limit reviews are usually based on how you manage your card including making payments on time, staying within your limit, and how much of your credit you use. A higher limit, when used responsibly, can help improve your credit utilisation ratio, which is an important part of your credit score.
Is the Zable credit card a good credit card?
If you’re looking for cashback, rewards or premium perks, Zable probably isn’t for you. But if your goal is to build credit without paying annual fees, it could be one to consider.
Zable may be especially useful if:
- You’re applying for your first credit card or rebuilding after a rough patch
- You want a credit card with no annual fees
- You travel or shop in other currencies and want to avoid foreign fees
Used responsibly, it can help strengthen your credit profile and potentially open the door to better credit cards in the future.
Is Zable legit and safe?
Yes. Zable is legit, and the card is issued by Lendable Ltd, which is authorised and regulated by the Financial Conduct Authority.
All transactions are processed through Mastercard, and your account is managed through the secure Zable app.
What do customers say about Zable?
Zable has thousands of reviews on Trustpilot, with most customers highlighting how fast and easy the application process is, how clean the app design feels, and how transparent the service is.
Users often comment on:
- The absence of foreign fees
- Clear communication through the app
- No hidden fees
Find the right Credit Card for you
Does not impact your credit score
Find out which credit cards you’re eligible for
34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited who acts as a credit broker, not a lender.
Frequently asked questions about the Zable credit card
What is the Zable credit card?
Zable is a credit builder Mastercard issued by Lendable Ltd. It’s designed to help people with limited or fair credit improve their score over time.
Who owns the Zable credit card?
Lendable Ltd, an FCA-regulated UK financial company. Zable is their trading name for this product.
Who is Lendable Ltd?
Lendable Ltd is a UK financial technology company regulated by the Financial Conduct Authority. It’s the lender behind several credit products, including the Zable and Thimbl credit cards. While Zable is the brand name customers interact with, the credit is issued by Lendable Ltd.
Will applying for a Zable credit card affect my credit score?
Using an eligibility checker will not impact your credit score. A full application may result in a hard search, which could temporarily affect your score.
Is Zable legit?
Yes. Lendable Ltd is authorised and regulated by the FCA and offers secure, transparent services through the Zable app.
How often do Zable increase credit limits?
Zable reviews your account regularly and will notify you if you’re eligible for a higher limit. You don’t need to apply manually.
Is the Zable credit card good for travel?
It can be. There are no foreign transaction fees, which makes it a rare travel friendly option among credit builder cards.
Is the Zable credit card safe?
Yes. You manage your account via a secure app with payment alerts, card freezing, and strong data protection measures.
Can I apply if I already have a Zable card?
No. The card is only available to new customers who don’t already have a Zable account.
Where can I find reviews of Zable?
Reviews for Zable are available on independent platforms such as Trustpilot. These reflect customer experiences across Zable products. Just remember, results can vary based on your credit history, so checking your eligibility first without affecting your credit score is a practical step.
Is the Zable credit card right for you?
Zable offers a simple, mobile first credit card designed to help you build or rebuild your credit score. Backed by Lendable Ltd, it comes with no annual fee, no foreign transaction charges, and an easy to use app that puts you in control. If you’re eligible, you can check your chances of approval with a free eligibility check and no impact on your credit score.
Ready to see if Zable could be right for you?
Take an eligibility check; it’s free, fast, and doesn’t affect your credit score.
Find the right Credit Card for you
Does not impact your credit score
Find out which credit cards you’re eligible for
34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited who acts as a credit broker, not a lender.
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The content presented here has been impartially gathered by the Mintify team and is offered on a non-advised basis for informational purposes only. We adhere to strict editorial integrity
Editor, Credit Cards: Michelle Blackmore
Last Updated: August 22, 2025