Zopa Visa
Representative APR
34.90% APR (variable)
Purchases
34.90% (variable) p.a.
Balance Transfers
Not Available
Account Fees
£0
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 34.90% (variable) p.a., most accepted customers get a rate of 34.9% APR (variable).
Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.
Our Verdict
The Zopa credit card comes with no annual fees and no foreign transaction fees, making it a flexible option for spending at home or abroad. One standout feature is Credit Cushion, which allows you to set aside part of your available credit to help manage spending. This reserved amount is kept separate and can be accessed when needed, offering a built-in way to encourage better financial habits.
Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.
Product Features & Benefits
| Issuer | Zopa |
|---|---|
| Network | Visa |
| Primary Category | Credit Building |
| Loyalty Scheme | |
| Incentive on opening | The Zopa credit card has no annual fee and is a great option for travel, with no charges on spending abroad. |
| Cashback/Rewards (if applicable) | No cashback scheme |
| Account Fee | £0 |
| Purchases | 34.90% (variable) p.a. |
| Purchases Interest Free Period | 56 days |
| Balance Transfers | Not Available |
| Balance Transfer Fee | 0.00% |
| Cash Advances | 34.90% (variable) p.a. (fees apply) |
| Minimum Credit Limit | £ 250.00 |
| Maximum Credit Limit | Subject To Status: £1,200 |
Fees & Charges
| Account Fee | £0 |
|---|---|
| Late Payment | £ 12 |
| Returned Payment | £ 12 |
| Exceed Limit | £ 0 |
| Duplicate Statement | £ 0 |
| Replacement Card | £ 0 |
| Trace Fee | £ 0 |
| Cash Withdrawal Fee | 0% |
| Cash Withdrawal Minimum Charge | £ 3 |
| Foreign Usage EU | 0% |
| Foreign Usage World | 0% |
Application Requirements
| Availability | Available to new customers. |
|---|---|
| Minimum Income | £ 10,000 |
| Minimum Age | 18 |
| Residency | Permanent resident in the UK. |
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34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.
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