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)

low credit limit, high interest.

paying balance off monthly and using a low balance percentage doesn't improve your borrowing power it seems. Not a useable product, better options available. Reviewed on: 21st February 2023

Perfect start to getting you back on your feet

Easy to apply. Sensible first usable credit limit. Great tools in the app. Couldn’t think of any ways to improve your experience! Reviewed on: 21st February 2023

Efficiency and simplicity

I have been delighted with the straightforward and efficient service from zopa. Their app is easy to use and gives me all the information I need. Reviewed on: 21st February 2023

Too provider

Incredible service and flexible credit card - a favourite and recommend to family and friends! Reviewed on: 21st February 2023

Best card

Help me to rebuild my credit thanks Reviewed on: 21st February 2023

Simple account and not sharks

A great app, well controlled for spending and they don't give a ridiculously unaffordable credit limit. Lots of additional information on your credit position and great support. Reviewed on: 21st February 2023

Helpful friendly staff

Spoke to a member of staff my card wouldn’t work, stayed on the line until I had solved the problem really friendly Reviewed on: 21st February 2023

Absolutely brilliant

Couldn't be a better place to get a credit card from so easy to use Reviewed on: 21st February 2023

Zopa highly recommended

Only ever had a good experience with Zopa! Reviewed on: 21st February 2023

Very Good! Thanks!

Very Good! Thanks ! Very Good! Thanks! Very Good! Thanks! Reviewed on: 21st February 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

Everyday credit card (discontinued)
from Creation 4.03 from 22 reviews
Platinum Credit Card
from Lloyds Bank 4.23 from 57 reviews
Partnership credit card
from John Lewis 2.12 from 906 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 4.84 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