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Zopa: Credit card reviews

Name: Credit card
Rating: 4.86 (44354 reviews)

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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

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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

Great service and App

The App is fantastic helps manage your credit card and easy to use Reviewed on: 11th April 2023

Positivity

Helpful & handy card - I only have a small credit limit but this helps keep my spending on it to a minimum. I use it as my emergency fund. Reviewed on: 11th April 2023

I would definitely recommend Zopa to everyone

Extremely good low repayments no problem at all Reviewed on: 11th April 2023

2nd to none

Everything that you need is on the app, so you don’t really need to do anything but check your app Reviewed on: 11th April 2023

The best apr

Very nice app no any problems, mistakes. Reviewed on: 11th April 2023

AWESOME CARD

Hi, everyone! I wanted to share my thoughts on the Zopa credit card, which has been an absolute game-changer for me. First of all, I have to say that the sign-up process was incredibly easy and straightforward. I was able to apply online in just a few minutes, and the approval process was quick and hassle-free. But the real magic of the Zopa credit card comes from its features. For one thing, the card offers some of the best cashback rewards I've ever seen. I earn money back on every purchase I make, and the rewards can really add up over time. What's more, the Zopa credit card also offers 0% interest on balance transfers and purchases for a limited time, which has been a huge help in managing my debt. I was able to transfer over some high-interest balances and save a ton of money on interest fees. But perhaps the biggest benefit of the Zopa credit card is the peace of mind it provides. With features like real-time spending notifications and instant freeze/unfreeze, I always feel in control of my finances. And if something does go wrong, the customer service team is incredibly helpful and responsive. Overall, I can honestly say that the Zopa credit card has changed my life for the better. It's made managing my finances easier and more rewarding, and I couldn't be happier with it. If you're in the market for a new credit card, I highly recommend giving Zopa a try. Reviewed on: 11th April 2023

Helps to manage debt

No silly increases that can lead to unaffordable credit. Great easy to use app Its helped me build my credit score Reviewed on: 11th April 2023

Great customer service

I love this card! Everything is transparent, no hidden fees or charges and the customer service is amazing! Reviewed on: 11th April 2023

Amazing

Amazing credit card company very helpful get back to your questions promptly and I wish somebody at the other end of the phone if you need to call themP Reviewed on: 11th April 2023

Easy to use

Customer service excellent would highly recommend Reviewed on: 11th April 2023

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