Rep. APR
34.80%
Variable
Annual fee
£0
Spending abroad
Free
No foreign transaction fees
Lounge access
Not included
No non-sterling transaction fee on purchases.
Pay balance in full monthly.
The Zopa Credit Card is free to hold and earns the best Visa exchange rate we've measured abroad, with practically nothing off the real exchange rate, which makes it a genuinely useful travel card. I like that there are no foreign transaction fees on purchases in local currency, so frequent travellers get a clean deal on spending overseas. The real catch is the 34.80% APR, which is pricier to borrow on than most, sitting well above the 27.90% typical for fee-free cards, so this only works well if you clear the balance in full each month.
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