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

Grateful

When i was starting out Zopa was the only company that offered me a credit card with a good APR - straight out of uni. In a very small amount of time i had managed to build my credit to excellent. Their services are easy to use and their customer support is always quick and reliable Reviewed on: 14th January 2023

Credit card

So easy to use the on line app.affordable interest rates .Good notification Reviewed on: 14th January 2023

Simply the best customer experience

Simply the best: from the start the experience has been flawless. Can’t fault the team and the customer service. Thank you Reviewed on: 14th January 2023

Amazing

Amazing company great customer service and always there when needed Reviewed on: 14th January 2023

Great apr on purchases

Great apr on purchases. Lower than most. Easy to make payments and manage account online/through the app. No problems. 10/10 Reviewed on: 14th January 2023

Highly recommend

Very helpful very easy to apply very happy Reviewed on: 14th January 2023

Great service, loads more information on the app than other providers

Help with understanding your credit score, clear repayment dates Reviewed on: 14th January 2023

Excellent service

Very easy to apply. Approval through in minutes and credit available in hours. Reviewed on: 14th January 2023

Brilliant Company.

Very pleased with this company. Helpful and a great company to be with. Reviewed on: 14th January 2023

Does what it says

Easy application, excellent customer support, and manageable credit limit makes it my go-to credit card. 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 Allied Irish Bank - AIB 4.11 from 6 reviews
Student Credit Card
from NatWest 4.19 from 6 reviews
Credit card
from ASDA Money 3.34 from 111 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