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)

Easy process, great credit limits

Zopa has been a life saver and came in very handy at a time that was necessary. The process was quick and simple. Reviewed on: 15th January 2023

Great card

Great rates and affordable card to pay back Reviewed on: 15th January 2023

JV

It’s easy to apply a credit card and and helps you on your budget. Reviewed on: 15th January 2023

easy quick

wonderfull experience the response was quick Reviewed on: 15th January 2023

Simply the best

Their on line App is so simple to understand and use. You get all you need to know so easily. If you do phone them their customer service team are 2nd to none. Great Company Reviewed on: 15th January 2023

Overall good experience

Provided outstanding customer satisfaction Reviewed on: 15th January 2023

Very good

Quick and easy way to pay.zopa except me to build my credit rating Reviewed on: 15th January 2023

I am so happy this credit card

Good credit card . Lovely to pay . Easy to use. Very happy thank you Reviewed on: 15th January 2023

Amazing Credit Card that comes to you when you need it.

Simplicity, easy to use, fantastic customer service that is always ready to assist you. Reviewed on: 15th January 2023

Zopa have been a life saver

I have both a loan and a credit card with Zopa. The company has been a life saver. It has help to me greatly to sort my finances out. In affordable segments and a good APR. The customer service is very professional too. I highly recommend Zopa. Reviewed on: 15th 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

Freedom Rewards Credit Card
from Barclaycard 3.26 from 64 reviews
Balance Plus (discontinued)
from Capital One 4.20 from 4 reviews
Avios Credit Card
from TSB 3.50 from 20 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