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)

Brilliant and simple

Very useful and very handy to boost credit rating, thank you for the opportunity to do so. Reviewed on: 21st February 2023

Straightforward Credit Card

I took out a Zopa Credit Card in April 2022. I found it easy to use and easy to manage on line and that the online experience was better than some Credit cards I've had in the past. It also has features such as the Credit Cushion which I've found easy to use and very helpful to.me to help manage my spending. The card is easy to use, easy to.manage and easy to understand, which is all that I want from.a Credit card. Reviewed on: 21st February 2023

Excellent customer service and very friendly

Excellent customer service and very friendly. When I first got my card I had a few issues, I rang and spoke to some very helpful person who helped me out Reviewed on: 21st February 2023

Credit card

Easy to use app, clear information Reviewed on: 21st February 2023

Best credit card experience

Builds my credit, easy to use and a very informative app. Shows my spending, suggests monthly payments. Text alerts letting you know what's happening with your account. I couldn't ask for more. Great card. Reviewed on: 21st February 2023

Love it!

Brilliant company never had any issues. After using them for a year they tripled my credit allowance! Reviewed on: 21st February 2023

Great app

Zopa are such a good firm. Their easy to get in touch with and their app is so brilliant and helpful. Reviewed on: 21st February 2023

Nice

Good credit card every one should get this card Reviewed on: 21st February 2023

Great Company

Excellent company offering many of services,I will recommend to others!!!! Reviewed on: 21st February 2023

Simple to use

Simple to use and great offer available 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

Avios Credit Card
from TSB 3.50 from 20 reviews
Partnership credit card
from John Lewis 2.13 from 905 reviews
Credit card
from Jaja Finance 4.72 from 2531 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