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

Very good

Very good card and easy to use repayment plan very nice Reviewed on: 18th January 2023

Brilliant trusting

I had bad credit but Zopa gave me a chance Reviewed on: 18th January 2023

Nice and secure services

Digitally and physically secured Reviewed on: 18th January 2023

Process was quick

Very helpful and quick decision Reviewed on: 18th January 2023

Great company hide nothing ! About time

Great finance company, who stop at no end to help and be as crystal clear with customers as possible Reviewed on: 18th January 2023

Ease to use

Witherspoon Zopa Credit card i don't have to wait two business Day for the Credit to enter my account after i make the payment. Reviewed on: 18th January 2023

On Zopa the World!

Very happy to be accepted for this card which I wanted to use in the main for balance transfers to help reduce interest rates on several other cards and the credit/balance transfers limits provided were just right. I would recommend this card to anyone looking to save a little interest whilst at the same time having another line of credit if needed. Reviewed on: 18th January 2023

Superb company

Great way to get your credit rating up. Got a small amount on my credit card which is affordable to me. Very happy Reviewed on: 18th January 2023

Fabulous

Excellent credit card and very helpful app. Reviewed on: 18th January 2023

Best credit card

We love Zopa, both me and my wife have a card, and a loan from them, no hassle low interest and easy to manage Reviewed on: 18th January 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

Aquis Card
from Vanquis 4.46 from 44 reviews
Cashback Plus Credit Card
from NatWest 4.50 from 68 reviews
Student Credit Card
from NatWest 4.19 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