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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44354 reviews)

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4.87

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

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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.

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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)

Fantastic Card.

I've only had good experiences from this card thus far. Steadily increasing my credit limit accordingly. No changes in APR. All in all, extremely happy with thus card; my favourite card I use. Reviewed on: 14th January 2023

Great card - great company

Feels like they are really trying to help me repair my credit score. Reviewed on: 14th January 2023

Easy to apply

Fantastic all manageable online. Reviewed on: 14th January 2023

Absolutely brilliant

Zopa was the only other company that would accept me for a credit card and the rates are absolutely fantastic especially as I’m still trying to rebuild my credit. I would and have recommended them to friends and family Reviewed on: 14th January 2023

Second to none service

Their customer support team are so helpful and professional, they had my balance transfer issue resolved immediately! Reviewed on: 14th January 2023

Helping rebuild credit

Low initial credit limit but if you use the card properly the limit is soon increased Reviewed on: 14th January 2023

Excellent service.

Perfect for a credit cushion each month. The app is so good as it allows you to set this and keeps you on track. Reviewed on: 14th January 2023

Excellent

Great rates and good credit limit. Reviewed on: 14th January 2023

Amazing

Absolutely amazing credit card Quick delivery True to word Reviewed on: 14th January 2023

Superb service

Superb service but also ethically sound with increases. Reviewed on: 14th January 2023

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