Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44354 reviews)

View other Zopa products

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

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

Quick and easy application consideration.

Having a poor credit rating, I was pleased to be considered by zopa when many other credit card companies were sceptical in considering my poor credit history. Reviewed on: 14th January 2023

Easy application

Applying for the card was easy and had an instant decision Their app is very good and helps you manage your money. Reviewed on: 14th January 2023

Great provider

Great card excellent terms good app Reviewed on: 14th January 2023

Never had an easier, more effective credit card service than that which is provided by zopa

Always know where I am up yo, easy to utilise mobile app. Can't fault zopa at all Reviewed on: 14th January 2023

Customer Friendly

My experience with Zopa has been wonderful because they are great communicators and keep you up to date with your account and their other services. Reviewed on: 14th January 2023

Excellent company!

The app is brilliant and has loads of helpful features, enabling you to maintain control over your finances. I’ve also spoken to the Customer Services Team who were incredibly helpful, understood what I needed and actioned this straight away in a professional and competent manner! One call was enough and completely hassle free! Reviewed on: 14th January 2023

Brilliant

Good service.very easy to understand on how to apply for card and just all round good service Reviewed on: 14th January 2023

excellent card

very good credit card superb app that is very easy to use & understand. Reviewed on: 14th January 2023

Great service and easy to use app.

Great service and easy to use app Reviewed on: 14th January 2023

Fair Lender

Zopa provided me with the best interest rate of any provider including cards I have held flawlessly for years! I would definitely recommend Zopa to anyone. Reviewed on: 14th 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 Post Office 3.49 from 116 reviews
Balance Transfer Credit Card
from Bank of Scotland 4.40 from 14 reviews
Flex Purchase credit card
from Monzo 4.90 from 3189 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69090 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