Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.86 (44354 reviews)

View other Zopa products

4.86

Based on 44,354 reviews, last reviewed 1st Sep 2026

100% decrease in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

This is one of the reasons why I chose him. Compared with other banks' credit cards, there are very few credit cards without currency conversion fees at present! Reviewed on: 20th August 2026

Latest lowest rating:

1

This is illegal company, they charge about every thi... This is illegal company, they charge about every thing sometimes even for nothing... Government should be enquire about this...I can challenge it's a ... Read more Reviewed on: 1st September 2026

Read all reviews See your review

About this product

Zopa is an award-winning credit card provider.

You can apply for a Zopa credit card online and manage your account in the Zopa app. You’ll get instant payment notifications and the Credit Cushion feature lets you set aside some of your available credit card balance.

Zopa credit card reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44354)

Review of the Zopa, Credit card:

I've found zopa incredibly helpful all the time

I've found zopa incredibly helpful all the time Reviewed on: 17th April 2025

Amazing

Had no issues with Zopa since been with them and have great communication and customer services if needed, would recommend Reviewed on: 11th April 2023

Credit card

This is excellent and os fast Reviewed on: 11th April 2023

Invaluable

For someone with not a great credit rating Zopa has been a great help Reviewed on: 11th April 2023

Best company

In the service and attention for give at chance to everyone for have credit card. We'll done Reviewed on: 11th April 2023

outstanding

one of the best credit cards ive been with, easy application, easy app to use and great ways to control your money! Reviewed on: 11th April 2023

Fantastic

Easy to use and access through the app, never an issue. Reviewed on: 11th April 2023

Zopa have provided me an opportunity to rebuild my credit score

Zopa have provided me with a credit card that has helped me grow my credit score; my "financial" life has changed beyond all recognition; the card Zopa provided was at an excellent APR and easily manageable. Thank upi. Reviewed on: 11th April 2023

Zopa the company to trust

Zopa have trusted me with a credit card and they don't push to hard to get it paid off. They remind me by text or email about when and how much has to be paid every month,and are always on the other end of the phone to help with any situation. Reviewed on: 11th April 2023

Fantastic service

Would recommend this credit card Reviewed on: 11th April 2023

Very kindest personality

Rates good, very friendly and helpful Reviewed on: 11th April 2023

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Bip Credit Card
from NewDay 4.80 from 2286 reviews
Nectar Credit Card
from American Express 3.16 from 14 reviews
Freedom Rewards Credit Card
from Barclaycard 3.67 from 63 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69089 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Cash ISA
from Zopa 4.83 from 1546 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub