The Zopa Credit Card has quickly built a solid reputation, picking up Best Credit Card Provider awards for 2024 and 2025. Managed entirely via a streamlined app, it is designed for customers who appreciate convenience and control. Rates start from 29.2% APR, with a representative example showing 34.9% APR variable based on an assumed £1,200 credit limit. Approval is subject to status and affordability checks, making this card suitable for those with stable credit profiles.

How to Apply for Zopa Credit Card

1. Start your application online with an instant eligibility check—no impact on your credit score.
2. Complete your details and review the personalised credit offer.
3. Submit documents as requested if prompted for verification.
4. Once approved, manage entirely via the app and access features like viewing your PIN and setting up repayments.

Zopa Credit Card Pros

The Zopa app makes card management seamless, letting you view your PIN, track spending, or freeze your card anytime. Instant transaction notifications and spend tracking provide further financial control.

Additionally, the card charges no overseas spending fees, which is a major advantage for those who travel abroad.

Zopa Credit Card Cons

Interest rates, at 34.9% representative APR variable, are on the higher end compared to many rival cards. This card may not suit those seeking lower interest rates for balance transfers.

There’s also no introductory interest-free period on purchases or balance transfers, so carrying a balance could become costly.

Final Verdict

The Zopa Credit Card shines for its user-friendly, app-first approach, award-winning support, and lack of foreign transaction fees. It best suits those seeking control and convenience over headline rates.