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

Best credit building card

Excellent customer experience and great means of building your credit rating. Reviewed on: 14th January 2023

Zopa card

Easy to use product and the credit cushion feature is brilliant Reviewed on: 14th January 2023

Credit card

Great service, easy toget in touch with, Reviewed on: 14th January 2023

Great services

Positive experience, great services. Reviewed on: 14th January 2023

Number 1 card of the year

It's simple product to use, very helpful Reviewed on: 14th January 2023

Awesome

Very helpful and easy. The app is very simple and easy to use!!!!! Reviewed on: 14th January 2023

Easy to use app great service.

Quick and easy, great app easy to use, and really good offers such as other services. Reviewed on: 14th January 2023

The help I needed

Zopa said yes to me having a Credit Card through them and this has helped me build my Credit rating as well as allowing me to afford some necessities as well as some nice things too. Thank you Zopa Reviewed on: 14th January 2023

Zopa credit card

Very easy to work with. No hassle service. Reviewed on: 14th January 2023

Good

Very good app I'm still waiting 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 Zable 4.81 from 123712 reviews
Credit Card
from Ocean Finance 4.15 from 22 reviews
Initial credit card (discontinued)
from Barclaycard 3.67 from 122 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