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

There when needed

They helped me through a difficult time and were understanding. Reviewed on: 14th January 2023

Good Credit Card

Give opportunity to who is starting to build credit Reviewed on: 14th January 2023

Smart banking

User friendly app, great customer service Reviewed on: 14th January 2023

Even dinosaurs could use Zopa

I am a dinosaur, age and mind, so modern technology does not come easy, Zopa makes the whole experience of getting and having a credit card online using a phone so simple! Why can’t others follow their example. My experience with them has given me more confidence in dealing with these things in a more modern way rather than face to face over a desk. I am really pleased I took the leap!!!!! Reviewed on: 14th January 2023

Zopa credit was there for me when I needed a credit card

I am a customer who has no complaints and very happy with the service I receive from Zopa. I would recommend to friends and family Reviewed on: 14th January 2023

Amazing!

Didn't have the best credit score but they gave me a credit card that works well a good borrowing credit and helping me improve my score at the same time, i have recommended my friends and they are just as happy as i am. Reviewed on: 14th January 2023

Fantastic company

Zopa have been a great company. Well thought out app and website. Always very helpful and always polite. Highly recommend Reviewed on: 14th January 2023

A credit to the credit card industry

A company that makes accessing credit easier! Fantastic communications and ease of use via the app… couldn’t ask for more! Reviewed on: 14th January 2023

Brilliant

Best credit card company, quick and easy application and quick delivery, customer service is also great Reviewed on: 14th January 2023

Great card

Transparent service, you know exactly what you get and no hidden fees, communication seedings to none 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 PayPal 4.66 from 126 reviews
Credit builder card
from thimbl. 4.41 from 18 reviews
Overpay
from Incredible 4.19 from 5 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