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)

Zopa

Brilliant credit card Iv had no problems with it. I highly reccomend Reviewed on: 21st February 2023

Easy to use credit card

When it comes to easy no nonsense credit card to use look no further. Reviewed on: 21st February 2023

Good easy to use

Very easy to use an understand all the terms an conditions Reviewed on: 21st February 2023

Fantastic service

Zopa has been great for me and kept me informed. Their security is also great. Reviewed on: 21st February 2023

Quick and easy!

Super easy to set up and get started, very user-friendly app that really helps you keep on top of your finances. Reviewed on: 21st February 2023

Zopa does what it says on the tin !

Very efficient , good customer service. Very clear about terms and charges . Easy to deal with - user friendly app ! Would recommend! Reviewed on: 21st February 2023

FANTASTIC CREDIT CARD

With having a not clever credit rating ,zopa came to my rescue with accepting me.I was so relieved and they gave me peace of mind and hope that help is available with the right people. Reviewed on: 21st February 2023

Easy to manage

I love the flexibility the app gives you. It sends real time notifications to keep on top of your spending, and the app is incredibly user friendly. Reviewed on: 21st February 2023

The credit card that gives you a chance!

Xopa is one of a few credit cards that will give you a card if you don't have very good credit. The initial credit limit is very good. Plus the monthly payments are great too. It's great to have a credit card provider that is happy to give you a chance and help you build your credit. I would highly recommend! Reviewed on: 21st February 2023

Brilliant

Best services around, easy to apply and card with you within few days 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

All in One Credit Card
from Santander 4.39 from 24 reviews
Avios Rewards Credit Card
from Lloyds Bank 4.14 from 60 reviews
Classic Extra Card (discontinued)
from Capital One 4.08 from 6 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