Zopa Visa

4.5

OUR RATING

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).

4.5

OUR RATING

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	No annual fees. It's a travel credit card too - they don't charge fees for using your card while 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%