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

brilliant

Just help when and where its needed. Reviewed on: 21st February 2023

Excellent provider

Excellent provider. Also app amazing and everything to hand easy to use Reviewed on: 21st February 2023

Simple, Efficient

Every process and piece of communication has been simple and straight forward. Reviewed on: 21st February 2023

The best credit card ever!

I've been with zopa for almost a year now, and I love this card! It's not like having a credit card but more of a savings card. It's helped me out of sticky situations, and continues to help me so well. I'd recommend it 110% Reviewed on: 21st February 2023

Great overall card

Faster dispatch after being excepted than most companies and no issues with the card during my years of having it. Reviewed on: 21st February 2023

Easy and no issues

Easy to use app and support team readily available to help Reviewed on: 21st February 2023

Simplicity

Great credit card and simple navigation around the App. Simple to use. Reviewed on: 21st February 2023

This card helped me improve my credit score it was instrumental in my being able to get car finance.

A friendly online service and also very helpful if you need to speak to someone on the phone. Reviewed on: 21st February 2023

Payments

very good experience easy payments to make no hassle and app easy to understand Reviewed on: 21st February 2023

Easy to use

The app is so easy to use and manage my account 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

Fluid credit card
from NewDay 3.88 from 105 reviews
Platinum Purchase Card
from TSB 3.52 from 8 reviews
Freedom Rewards Credit Card
from Barclaycard 3.26 from 64 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