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

Super easy

I love my zopa card. So easy to use. Reviewed on: 14th January 2023

Excellent Experience

Excellent service, caring lender, will always be there to help with any questions Reviewed on: 14th January 2023

Excellent company

The guys and gals at zopa are absolutely amazing card was here in 24 hours activation was so simple and fast. And they are very knowledgeable and understanding if you have any issues. They are polite and very efficient. Reviewed on: 14th January 2023

Manageable credit limit

Easy to use app. Ideal for me to build my credit score Reviewed on: 14th January 2023

Great credit card and service

This is an easy to use cc with a great app to handle all your needs Reviewed on: 14th January 2023

Really easy and no hassle to use

I am happy with the service and feel that they are helpful and the information is easy to follow and understand. Reviewed on: 14th January 2023

Amazing

Really easy to apply, great starting credit limit, amazing app which is easy to set up and use, just an amazing product. Reviewed on: 14th January 2023

Zopa is the best

Zopa is the best credit card for those who have a bad credit rating. The guys are sooooo easy to talk to and they are British Reviewed on: 14th January 2023

Easy to use and set up

Very easy process to apply and lots of hints and tips on saving money and how to build up your credit score. Reviewed on: 14th January 2023

Feeling the love!

Just got my card 6 months interest free finance while trying to rebuild my credit. This card has given me confidence for the future. 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 M&S Bank - Marks and Spencer 3.62 from 209 reviews
Credit card
from Debenhams 4.16 from 15 reviews
Purchase credit cards
from MBNA 2.95 from 196 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