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)

Best CC providers

Ease of registration and use. Reasonable APR, the app is also great to navigate around. Options to boost your borrowing power. Reviewed on: 16th January 2023

Excellent

Excellent service and friendly team Reviewed on: 16th January 2023

Friendly, transparent and hassle free

Zopa it's simply the best credit card supplier right now. The ease of use, the transparency and clarity in their service. The app works seamlessly, it's so easy to use and understand, works every time and you know there won't be surprises. Reviewed on: 16th January 2023

Excellent service

Very happy with the service would recommend to anyone Reviewed on: 16th January 2023

Excellent service and provider

I would highly recommend Zopa. They helped get my credit back on track. Always helpful and great guidance Reviewed on: 16th January 2023

Good service

I have been using Zopa Credit Card for the 6 months and have been extremely satisfied with the level of service provided. The application process was quick and easy, and the customer service team was helpful in answering any questions I had. The online account management system is user-friendly and makes it easy to track my spending and payments via the app. Overall, I highly recommend Zopa Credit Card to anyone looking for a reliable and customer-friendly provider. Reviewed on: 16th January 2023

So easy to use and great customer care

I got this credit card from Zopa as it had a small limit so I could pay for things on it and then pay them off in full to increase my credit score! It has worked so well I am delighted! I have used the customer help centre a few times for minor query’s and they were so helpful and resolved my query really quickly! I also love the credit cushion feature! Reviewed on: 16th January 2023

Top card

Very helpful, always kept updated on my score and borrowing power. Reviewed on: 16th January 2023

Great Credit Card

Easy to apply, quick and simple app and great payment options for paying off your credit card. Notifications too, to help you stay on track of your spending. Reviewed on: 16th January 2023

Excellent credit company

Found Zopa when looking for a credit card, so straight forward. Would highly recommend Reviewed on: 16th 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

Credit Card
from Bank of China (UK) 4.12 from 2 reviews
Freedom Rewards Credit Card
from Barclaycard 3.26 from 64 reviews
Opus Credit Card
from NewDay 4.04 from 3 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 4.84 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