Zopa Credit Card
Zopa Bank · Cashback · Statement Credit
This comprehensive guide covers the Zopa Credit Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Zopa Credit Card from Zopa Bank offers cashback rewards credited directly to your statement at 1%. This card has no annual fee.
Best for: General Online, Grocery, Dining, Travel
Reward Examples
Spend £1,000 on General online → earn £10 (1%) · 1% cashback on all purchases
Official product page → Official rules →
Annual fee: £0
Waiver: No annual fee
Waiver: No annual fee
Reward Rules
- 1% 1% cashback on all purchases
Important Notes
- No annual fee — popular digital-first credit card.
- No interest on purchases if paid in full each month.
- Includes free credit score monitoring.
- Digital-first — managed entirely via mobile app.
- Zopa started as a peer-to-peer lender; now a fully regulated bank.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Zopa Credit Card vs Similar Cards
- American Express Platinum Cashback Everyday — 5% top rate · £0
- American Express Platinum Cashback — 5% top rate · £25
- Aqua Advance — 1% top rate · £0
Maximize Your Rewards
To earn the highest rewards, use the Zopa Credit Card for its bonus categories: General Online, Grocery, Dining, Travel, Fuel.