Zopa Credit Card
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Zopa · VISA
The Zopa Credit Card is a credit card from Zopa on the Visa network. It has an annual fee of £0.
Verified 24 Oct 2026
Key facts
- Annual fee
- £0
- Purchase APR
- 34.8% p.a. (variable)
- Foreign transaction fee
- None
- Network
- VISA
Benefits and perks
- No fees on spending abroad or in foreign currencies (the cash fee still applies)
- Up to 56 days interest free on purchases when you pay your statement balance in full
- Initial credit limits from £250 to £1,500, subject to status
- Credit Cushion: set aside part of your available credit for emergencies
- Instant payment notifications and real-time balance updates in the app
- Freeze your card instantly in the app
- Instant eligibility check with no impact on your credit score
Questions about the Zopa Credit Card
What is the annual fee on the Zopa Credit Card?
The Zopa Credit Card has an annual fee of £0.
Is the Zopa Credit Card worth it?
The Zopa Credit Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
Not sure this is the right card for you?
Upload a credit card statement and Woodo works out what you actually spend by category, then ranks every card in the catalog against your own numbers. No bank login needed.
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