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)

Great service speedy no extortionate apr

Been using this card for a while good service always easy to check with the app Reviewed on: 21st February 2023

Highly recommend!!

Great App, easy to use and really helps keep track of everything Reviewed on: 21st February 2023

Helped me out , when no others would !

Having got in to difficulties in the past , and getting my finances back in order , I just wanted a credit card to give me emergency back up, if something should happen. Zoopa gave me a card with a £700 limit , I used it when needed and paid off a chunk when I got paid and it worked great, in the mean time , they have upped my limit , but asking me firstly if I would lime to , and if I could afford to , and I have had a credit increase , and its working well between us , payments met on time , so all good . Can not fault them , would defo recomend and thank you ! Reviewed on: 21st February 2023

Quality service

Quality service when needed. App easy to use Reviewed on: 21st February 2023

Fab credit card

Very happy that this card has a choice to have a cushion so you can save it for emergencies. Reviewed on: 21st February 2023

Helpful & understanding

I was in trouble financially and these were the only company that would help. After 6 months I was out of trouble and I am so grateful. Reviewed on: 21st February 2023

Brilliant

This card is really easy to use the site is easy to use. Very helpful as well Reviewed on: 21st February 2023

Easy, hassle free credit card

So easy to manage my account with the app. Reviewed on: 21st February 2023

Happy

Great service great product would highly recommend Reviewed on: 21st February 2023

Best Credit Card Overall

Simple application process. Excellent App and features. No OTT credit limits. Affordable and easy to manage. Great communication 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
Credit card
from Chase Bank 4.81 from 383 reviews
Overpay
from Incredible 4.19 from 5 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