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 Write a 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.

Review Zopa: Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

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)

Great experience

Zopa have a very usable and well explained credit function with very handy features. I would reccomend people to find out for themselves how good the cc is. Reviewed on: 11th April 2023

Top card

This card is one of the best I have come across the company is good . All in all a great product and card . Reviewed on: 11th April 2023

Good company

I've had issues in the past obtaining credit due to poor past choices but these guys gave me a chance and offered me a low affordable credit cushion I would recommend to most friends and relatives Reviewed on: 11th April 2023

Amazing credit card

I love zopa as it’s a credit card which isn’t to high on interest,your balance is available straight away after paid an amount.customer service are thoughtful and helpful,I don’t use any other cards now Reviewed on: 11th April 2023

Excellent service and app

Clear easy to use app which tells of pre approvals preventing wasted time and applications Reviewed on: 11th April 2023

GREAT CREDIT CARD

USER FRENDIELY APP AND ESY TO NAVIGATE Reviewed on: 11th April 2023

Excellent apr

Better than high street banks and so easy to deal with again well done zopa Reviewed on: 11th April 2023

Best customer service

My queries with them were addressed within minutes. Reviewed on: 11th April 2023

Excellent

Great customer service, very friendly staff Reviewed on: 11th April 2023

Excellent Credit Card

Very competitive rates and a easy to use app 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

Platinum Cashback Credit Card
from American Express 4.33 from 71 reviews
Fluid credit card
from NewDay 3.88 from 105 reviews
Avios Rewards Credit Card
from Lloyds Bank 4.14 from 60 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