Is there a promotional period on the Zopa Credit Card?

Some customers are offered a 0% promotional rate on purchases from the date the account is opened. Eligibility will be shown in the terms you receive when you apply. This rate does not apply to cash withdrawals. You’ll be told your end date by email and reminded a month before it finishes. Standard rates apply after the promotional period ends.

Zopa Credit Card Review – is it really award winning?

Q: What fees does Zopa charge for its credit card?

Zopa charges a £12 missed payment fee if you do not make your minimum monthly payment on time, and a £3 cash withdrawal fee for each ATM withdrawal. If you have missed a payment or think you might, it is important to contact Zopa as soon as possible. They may be able to help you get back on track. Missed or late payments are recorded on your credit file and can affect your ability to be approved for credit in the future.

Q: What are the benefits of having a Zopa Credit Card?

Zopa credit cards offer a user-friendly digital experience with no annual fee and the ability to track spending in their mobile app. Features include real-time spending alerts, in-app card controls, and credit limits tailored to your profile. While interest rates might not be among the lowest, the card’s convenience and overseas fee-free spending can make it appealing for some users.

Q: Can I get a Zopa Credit Card if I have bad credit?

Zopa’s eligibility criteria include being at least 18 years old, being a UK resident with at least one year of address history, having an annual income of at least £10,000 before tax, having a visible credit history with a good record of repaying debt, and having two active lines of credit. If your credit history does not meet these requirements, you may not be approved. You can use a free eligibility checker to see your likelihood of being accepted without affecting your credit score. Even if you are not matched with Zopa, the checker may show other credit card options that could be available to you.

Aug 21, 2025 | Credit Cards, Reviews

Editor, Consumer Finance: Michelle Blackmore

Last Updated: August 22, 2025

Zopa has been recognised as an award-winning credit card provider. Less than a year after launching, it was named Best Credit Card Provider at the British Bank Awards 2021, and went on to win the same title again in 2024 and 2025. These awards are based on votes from customers, and with over 1.5 million people using Zopa’s products, the recognition reflects strong customer engagement.

In this review, we explore what the Zopa credit card offers, its key features, and whether it could be worth checking your eligibility.

What is the Zopa Credit Card?

The Zopa credit card is a mastercard issued by Zopa Bank, designed with a simple set of features for everyday spending and travel. It has no annual fee, no foreign transaction charges and an app-first design, making it a straightforward choice for those who value transparency and digital convenience. The absence of foreign transaction charges is likely to appeal to a wide range of users, from international online shoppers to frequent travellers.

How does it work?

The Zopa Credit Card works like any other credit card, but Zopa built its app as a way to help make managing your money stress-free. You can manage almost everything from the app from checking your balance to making repayments and freezing your card if you spot suspicious activity.

Once approved, you can start using the virtual card immediately through the app while your physical card is sent by post.

Zopa – tech driven with a touch of humanity

Zopa describes its approach as “better banking, all from our app.” The aim is to make managing money straightforward and stress-free.Through the Zopa app, customers can:

Check their credit score and see potential borrowing options with the Borrowing Power tool

Access their bank account, loans, credit card, or savings in one place

Apply for a loan in minutes, with no fees or paperwork

Speak to a real person via live chat or phone from Monday to Saturday

Zopa appear focused on delivering a tech-driven service, yet the fact they still offer real human customer support shows they recognise that personal finance is, at its core, personal and sometimes you simply need to speak to someone.

How to apply for a Zopa credit card

You can apply for a Zopa credit card online starting with an eligibility check. Before starting, check that you meet the basic requirements:

Be at least 18 years old

Be a UK resident with at least one year of address history

Have an annual income of at least £10,000 before tax

Have a visible credit history and a good track record of repaying debt, such as utility bills or credit cards

Have two active lines of credit, for example a phone contract and an overdraft on a current account registered to your current UK address

The first step is to complete a free eligibility check. This is a soft search, so it will not affect your credit score. Based on the details you provide, you will be shown your likelihood of approval. If you are pre-approved, you can then continue with the full application.

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)

Check Eligibility

Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited who acts as a credit broker, not a lender.

Mintip: The results from an eligibility checker are a guide only and lenders will still carry out their own checks before making a final decision.

Why choose a Zopa credit card?

Based on Zopa’s published information, here are some features customers value:

Easy repayments: Pay by debit card or set up automatic monthly payments in the app.

View your PIN: Securely view it in the app if you forget.

Shop with confidence: Instantly freeze your card if you spot suspicious activity.

No fees abroad: Use your card overseas without paying non-sterling transaction fees.

Helpful humans: UK-based customer service team that has received industry awards.

Zopa reviews: What do customers say about Zopa?

Zopa has thousands of reviews on Trustpilot, with reviewers sharing positive experiences with the Zopa credit card, noting straightforward approval even with a less-than-perfect credit score, and the convenience of managing both loans and credit cards in the same app. Opening additional products, such as savings accounts, is also described as quick and hassle-free.

Other customers also praise the simple and rapid loan application process, the speed at which funds are received, and the clarity of information provided. Many highlight how easy it is to manage their account through the Zopa app, describing it as intuitive and well designed. The ability to repay loans early without penalties is also valued by users.

Customers often comment on:

Fast and straightforward application process

Clear, transparent product information

Easy account management via the app

Option to make early repayments without fees

Positive experiences for applicants with a weaker credit history

Some reviewers have mixed views on payment handling and customer service, with no strong consensus in these areas.

Is Zopa a good credit card?

Whether the Zopa credit card is a good choice will depend on your personal circumstances and how you plan to use it. Consider the following:

If you prefer a digital-first credit card, Zopa’s app-based features provide real-time spending insights and flexible payment controls.

If you need a balance transfer or a 0% purchase card, you may want to look at other providers, as Zopa does not currently offer these features.

If you travel frequently, the lack of overseas spending fees can make it a convenient option for use abroad.

If you want a fee free credit card guide, Zopa comes with no annual card fees.

Mintip: Always make sure you can meet repayments in full each month. Missing payments can lead to additional costs and may harm your credit score.

Who owns Zopa credit card?

The card is issued by Zopa Bank, which is authorised by the Prudential Regulation Authority and regulated by both the Financial Conduct Authority (FCA) and the Prudential Regulation Authority. Deposits with Zopa Bank are protected up to £85,000 by the Financial Services Compensation Scheme (FSCS).

Biscuit by Zopa – What does that mean?

Alongside its credit card, Zopa offers Biscuit, a current account designed to give customers more value from their everyday banking.

2% AER on balances

2% cashback on bills

7.10% AER regular saver pot

Fee-free spending abroad

Biscuit is FSCS-protected and managed entirely through the Zopa app. Your eligible deposits, meaning the money you hold with Zopa, are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS), the UK’s deposit guarantee scheme. Any money you hold above this limit is unlikely to be covered.

And finally, who doesn’t like a biscuit?

Zopa loans

Zopa also offers unsecured personal loans with a fully online application, fixed monthly repayments, and clear pricing.

Key facts

Borrow from £1,000–£35,000 over 1–7 years.

Representative APR varies by your credit profile and circumstances.

No fees for early repayment; fixed rate for the term.

Soft search for an instant personalised rate (no impact on your credit score); full check if you proceed.

Funds can reach your account quickly after approval.

Eligibility and rates depend on your circumstances. Missing payments can affect your credit rating and may incur charges.

Mintip: If you’re looking for a personal loan, check out some other options in the UK and take a free eligibility check to see which options could be available for you.

Alternatives to the Zopa credit card

While the Zopa card can be a good fit for some, it’s worth comparing it with other options to make sure you find the right card for your needs. Different cards may offer lower interest rates, longer promotional periods, or rewards that suit your spending habits. For example:

Tesco Balance Transfer credit card: Offers a 0% interest period on balance transfers. Whilst transfer fee applies, this could be a good option to consider if you’re looking for a balance transfer feature.

The Forward Barclaycard: Usually offers a small introductory period of 0% on purchases with no annual fee.

Capital One Platinum credit card: Offers a lower APR than Zopa (at the time of this review) and is a good option for people looking to rebuild or build their credit history.

Before applying, compare the representative APR, fees, and benefits of each option. Using an eligibility checker can help you see which cards you are more likely to be approved for, so you can compare your options before applying, without affecting 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)

Check Eligibility

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 Zopa

Can I use my Zopa credit card abroad?

Yes. There are no non-sterling transaction fees, though Mastercard’s currency conversion rates will apply.

How do I apply?

You can start by taking a free eligibility check. If you proceed, Zopa will run a full credit check before confirming approval.

Is Zopa a good credit card?

It depends on your needs. Customers often highlight its app features and lack of foreign fees, but you should compare APRs to other cards before deciding.

What fees does Zopa charge for its credit card?

If you have missed a payment or think you might, it is important to contact Zopa as soon as possible. They may be able to help you get back on track. Keep in mind that missed or late payments are recorded on your credit file and can affect your ability to be approved for credit in the future.

What are the benefits of having a Zopa credit card?

Zopa credit cards offer a user friendly digital experience with no annual fees and the ability to track spending in their mobile app. Features include real time spending alerts, in-app card controls, and credit limits tailored to your profile. While interest rates might not be among the lowest, the card’s convenience and overseas fee free spending can make it appealing for some users.

Can I get a Zopa credit card if I have bad credit?

Zopa’s eligibility criteria include:

Being at least 18 years old
Being a UK resident with at least one year of address history
Having an annual income of at least £10,000 before tax
Having a visible credit history with a good record of repaying debt, such as utility bills or credit cards
Having two active lines of credit, such as a phone contract and an overdraft linked to your current UK address

If your credit history does not meet these requirements, you may not be approved. You can use a free eligibility checker to see your likelihood of being accepted without affecting your credit score. Even if you are not matched with Zopa, the checker may show other credit card options that could be available to you.

Is the Zopa Credit Card right for you?

The Zopa credit card could be a good fit if you value a straightforward, app-based experience, no annual fee, and fee-free overseas spending. It may not be the best choice if you need a long 0% balance transfer or purchase period, or if you prioritise the lowest possible APR.

So, is it really award-winning? Based on multiple British Bank Awards for Best Credit Card Provider, voted for by customers, and the thousands of reviews on Trustpilot, it certainly has recognition for customer satisfaction. Ultimately, everyone’s experience will be different, so it’s important to consider your own needs and circumstances. Before applying, compare it with other options to make sure you find the card that best matches your spending habits and financial goals. Using an eligibility checker lets you see your likelihood of approval without affecting your credit score.