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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.

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

Easy quick and covenient

A really easy and quick process from application to reciveing the card Reviewed on: 14th January 2023

Very Competitive 7 innovative

I have had personal loans with Zopa and have a credit card. Brilliant service and competitively priced, no hidden extras and very competitive rates. The app is really easy and early settlement is always fair. My go to lender. Reviewed on: 14th January 2023

Refreshingly nice and simple to do business with

Customer service is the key to their success ! Great company ! Reviewed on: 14th January 2023

Core competence of Zopa Credit card

Recognise poor credit score people to build their credit with affordable plans unlike others providers Reviewed on: 14th January 2023

Excellent credit card

From application to receipt of credit card and PIN number, the process was seamless and fairly rapid. No problems and any queries dealt with quickly. Overall a great experience. Reviewed on: 14th January 2023

Excellent, very professional.

I used Zopa credit card to successfully improve my credit rating. Helpdesk is very helpful, and banking offers are impressive. Reviewed on: 14th January 2023

excellent

great service, excellent support Reviewed on: 14th January 2023

Best credit card

Honestly, the best credit card I’ve had! Excellent rates, fab customer service and generally just a good all round company. And even when you go over your credit limit, they don’t charge you!!!! Amazing Reviewed on: 14th January 2023

Helpful

Brilliant company and service keeps you informed of everything you spend and when to pay. Reviewed on: 14th January 2023

Responsible lender

A very responsible lender and keeps customers informed of fees and changes does not just encourage people to borrow more than they can aford. Reviewed on: 14th January 2023

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