Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44354 reviews)

View other Zopa products

4.87

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:

Zopa Credit Card

A great card to use but best of all they keep you informed of your spending straight away with an easy to use app Reviewed on: 26th January 2022

Easy to Apply and Use

Easy to apply, clear terms and conditions, good deals. Good buffer system on card so can put some aside for a rainy day. Good app Reviewed on: 21st February 2023

Service

Excellent service, good for credit building and good for youngsters to improve credit rating Reviewed on: 21st February 2023

Outstanding

I loved this card when on a family holiday. My wife’s bag got stolen with our cash in it and so we just used my Zopa credit card for the rest off the holiday. It was great Reviewed on: 21st February 2023

A credit card reinvented

Love the Zopa App and experience. Clear and concise with a modern feel and connected information. Reviewed on: 21st February 2023

Credit building life line

My credit rating was poor, luckily i was able to apply for a Zopa credit card. I use it and pay more than the minimum balance and my credit rating is improving every month! Thank you. Jason Floyd Reviewed on: 21st February 2023

Easy, simple

Good interest rates, really clear and easy App Reviewed on: 21st February 2023

Great company!

Always provide a great service and always very helpful and friendly. Fantastic company. Reviewed on: 21st February 2023

Fantastic card and service

Great customer service and great card with buffers, aswell as other financial services for future Reviewed on: 21st February 2023

Excellent card

I have found this card to be extremely helpful and customer service is very much helpful with all issues. This has always been from start to finish and I always get updated on the app. Reviewed on: 21st February 2023

Credit Card Management Made Easy

The Zopa app is key to the whole Zopa experience, for me it means I can easily manage my credit card while taking note of and implementing the help/advice the app provides to increase your credit score and manage your credit responsibly. Which sounds like a whole lot of marketing guff, right? It's true though, Zopa have managed to strike a harmonious balance between providing credit via their credit card product and providing people with the tools to manage and improve their credit score all within 1 app. 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

Charge Card
from American Express 4.20 from 24 reviews
Flex Purchase credit card
from Monzo 4.90 from 3189 reviews
Credit Builder
from Chime 0.00 from 0 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69090 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