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)

Balance transfers

Nice to have a credit balance and a separate balance transfer account. However you can only make payments to balance account when credit balance is paid in full. Reviewed on: 21st February 2023

Great

Good service always helpful I have never had any issues Reviewed on: 21st February 2023

Great card to have

Great card easy to manage in app,easy to make payments everything in one place. Reviewed on: 21st February 2023

Very informative

Very easy to deal with very impressive Reviewed on: 21st February 2023

Very good service

Very good service highly recommended Reviewed on: 21st February 2023

Easy simple hassle free

The app is easy to use. Card is useful for emergencies Reviewed on: 21st February 2023

Straight forward and easy to use

The app makes it easy to keep on top of your spending and payments and the notifications are great for reminders. The card is accepted everywhere. Reviewed on: 21st February 2023

Best card

Good card and good app to use by checking balances and statements Reviewed on: 21st February 2023

great value and service

great card, comes in handy when needed and great values too! Reviewed on: 21st February 2023

Fantastic at listening

A brilliant formed app, driven by customer input, a caring and fair company who are there to help. 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

Student Credit Card
from NatWest 4.19 from 6 reviews
Gold Card
from first direct 4.22 from 9 reviews
Clear Rate Platinum Credit Card
from NatWest 3.98 from 21 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