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 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:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

Nicola,a choice

The bestcard I have ever had. So easy to use and very competitive rates I recommend everybody to apply for one it's great Reviewed on: 21st February 2023

Thoughly Reccommend!

Easy, no hassel, no frills, you know what you are getting, nothing hidden, excellent app. Excellent to keep track of your spend. Superb. Reviewed on: 21st February 2023

Easy to use & responsible lending.

I applied for Zopa on a whim really but I’m glad I did. Their app has so much useful information on there and it makes it really easy to keep track of my payments and my spending. They send personalised emails with tips on how to help your credit score and what is holding you back. I really would recommend it. Reviewed on: 21st February 2023

Smart card

Simply easy perfection does exactly what it say and with ease Reviewed on: 21st February 2023

Fantastic easy credit card company

Cannot fault Zopa. From pending approval process to acceptance. To initial credit limit to potential increases. Absolutely everything. Making payments is so simple, as is purchasing using the cards. Instant notifications. Easy to use app. 10/10 Reviewed on: 21st February 2023

Good service, quick and easy to use

Straight forward, easy to apply, great service, easy app to use Reviewed on: 21st February 2023

Good company

Good company, goof limit, useful app. Reviewed on: 21st February 2023

Best

Best credit card ever I have used and love it Reviewed on: 21st February 2023

Great company.

Yes never have any problems. Runs very smoothly Reviewed on: 21st February 2023

Vote

Easy access and easy to use app and good knowledge of what i require from credit card 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

Purchase Credit Card
from Halifax 3.50 from 19 reviews
Everyday credit card (discontinued)
from Creation 4.03 from 22 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