Credit Card

Build your credit with a Zable credit card. Check your eligibility without affecting your credit score and manage your money in our easy-to-use app.

  1. Use your banking history to boost your approval odds by up to 35%

  2. Most customers can spend instantly with Apple Pay and Google Pay

  3. The Zable Credit Card could help you build your credit score if you make your payments on time and stay within your credit limit

Smart money people award

123,000+ reviews across Trustpilot, App Store and Google Play

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app screen showing the last step of the credit card application

Why choose a credit card with Zable?

  1. Repay instantly

    You can repay any balances straight from your app by connecting your bank or debit card

  2. Track your spending

    View your balance and total spending in real time, and get instant transaction notifications

  3. Credit that grows with you

    We automatically review your account for credit limit increases and let you know if you’re eligible

  4. Manage your credit card on the go

    You can do everything from changing your PIN to freezing your card in a matter of taps.

Check if I’m eligible
app screen showing the last step of the credit card application

Did you know?

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Apple Pay and Google Pay

Zable Cards are available with Google Pay and Apple Pay

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Transparent cost, no surprises

Enjoy spending abroad with zero transaction fees. We also don’t charge any monthly or over-limit fees

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Here to help 7 days a week

Fast and friendly support available from 9am to 6pm daily

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How can I apply for a credit card with Zable?

Whether you want a credit card for credit building, to improve your buying power, or to help you manage your money, the application process is simple:

  1. Check your eligibility in the Zable app or online

  2. If eligible, you'll be asked to provide some more details

  3. We'll review your information and provide you with a quote

  4. Most customers are able to use their virtual credit card right away. Your physical card should be with you in 5-7 days.

Check if I’m eligible
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illustration of a meter indicating a credit score

Check out your credit score

Check your credit score and get insights into your report in the Zable app - for free.

Download the app
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See what our customers have to say

123,000+ reviews across Trustpilot, App Store and Google Play

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“Brilliant”

“The app is great to monitor spending and a great way to build your credit score”

Sally

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“Highly Recommended!”

“Application process was simple, quick approval and card arrived within a couple of days. Very user friendly app helps me keep track of my spending. Would highly recommend Zable”

Viney

Our credit card experts

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"We've designed our credit card to help our customers build their credit rating. We want to make it easy to manage your account and make repayments on time. The Zable App enables customers to manage their account, make repayments and see all their transactions in one place. Customers can keep a track of how their credit score is improving over time with our free to use credit score provided by Equifax."

Product Manager, Zable Credit Card

Download the Zable app to get started

Applying for a credit card with Zable couldn't be easier – and once your application has been approved, you can start spending straight away using your digital credit card, if eligible. There's no need to wait for your physical card to arrive. Download our app and check your eligibility today.

We'll answer some of our most-asked questions below, but you can also check out our Help Centre for more information.

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Common questions about credit cards

Credit cards allow you to pay for things using credit. You then repay what you've spent.

You can borrow money flexibly and assuming you make your repayments on time, you won't be faced with any additional costs. You can get physical credit cards, as well as digital versions that can be used through your phone’s wallet app.

When you spend money on your credit card, you need to pay this back within a set period, otherwise, you could land yourself in debt and compromise your credit score. If you're new to credit cards, it's important to familiarise yourself with the financial risks involved.

There are many different reasons why you might get a credit card.

Many people get credit cards to build credit. Using one regularly can help you build your credit score over time, as they're classed as a form of revolving credit. You can use them to demonstrate timely repayments, which could help you access better loans and forms of credit in the future.

Credit cards can offer you more financial freedom. When you make a purchase on a credit card, you don't pay immediately (you pay when you make repayments to your card). You should only borrow what you can afford to pay back by the end of the month. Some users find them useful for budgeting purposes, which can be made much simpler with a credit card app like ours, which helps you keep track of your spending.

A digital credit card means you have one less thing to think about when you leave the house. As long as you have your phone, you're good to go.

You can spend with your Zable credit card using Apple Pay and Google Pay. Although it won't take long for your physical card to arrive, you could start using your virtual card instantly, if you’re eligible.

Having an online credit card app, like Zable, means you'll have better visibility of your spending and get a handle on your credit score too.

To apply for a credit card with us, you must:

  • Be over 18
  • Live in the UK
  • Not already hold a Zable credit card
  • Have a monthly income over ÂŁ800

You can benefit from a 35-day interest-free period when you pay your total statement balance each month.

All you need to do is repay your statement balance on or before your chosen payment date, which can be done through automatic repayments set up on the app. You can also make one-off repayments through the Repay tab.

We perform a “soft check” (meaning your credit score won’t be affected, as it won’t show on your credit profile) when you check your eligibility for a credit card with Zable. At this stage, you will know if you are eligible for a card, your personalised APR, and your credit limit.

We perform a hard search only once you've accepted your offer by signing legal documents.

Once a hard check has been completed, this will be visible on your credit report. Numerous hard searches in a short amount of time could make some lenders more hesitant to lend you credit.

View our credit report page for more information.

Zable helps you build your credit rating with smart in-app features.

The app gives you a clear overview of your credit card spending so that you can easily track your expenses and stay within your limit.

You can also use it to ensure you're making timely repayments. These can be done instantly or by setting up regular monthly payments when you connect your bank account. You can update your payment details easily through the app if needed.

We charge a late fee of up to ÂŁ12 if you don't pay at least your minimum payment by your due date. For this reason, we encourage you to set up monthly payments so you don't forget.

Find out more about the fees we charge.

We always advise responsible borrowing and offer in-app features to help you stay on top of your finances. However, if you need additional help, please get in touch with us through our live chat feature as soon as possible. Find out more information with reputable organisations such as PayPlan, StepChange Debt Charity and The National Debtline.

Get a credit card with Zable today

Ready to get started?

Download the Zable app and apply for a credit card with us today.

Download the Zable app
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Fast and friendly support

Our team is here seven days a week and can be reached via our online chat.

Any questions? Chat to us now

Email us

cards@zable.co.uk

Mon-Sun: 9am-6pm

(Use the email you applied with)

Speak with us

020 3322 9128

Mon-Fri: 9am-6pm

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