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 Write a 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.

Review Zopa: Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

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)

Best credit card bank

Zopa simplified the way to use a credit card, making it easier always. Reviewed on: 14th January 2023

Brilliant

Great card and easy to track spending via app Reviewed on: 14th January 2023

Highly recommend

I was struggling to get a credit card in uk, because of my credit score. But Zopa accepted me from the first try, very easy and quick to apply. Highly recommend! Reviewed on: 14th January 2023

Understanding

With the economy as it is at the moment, zopa have made every attempt to make sure that I don't go further into debt by struggling to meet payments. Thier customer service team have a very understanding and friendly nature for a credit card company. Reviewed on: 14th January 2023

Great credit card

I have to say I was a bit apprehensive to apply for a credit card from company that I never heard of however this one is pretty good. The app you use its easy to understand and use Reviewed on: 14th January 2023

good service

handy allways there when you need it. Reviewed on: 14th January 2023

Zopa card

Simple and easy to use great service Reviewed on: 14th January 2023

Great provider

I have low credit score and the company offered me a credit card low apr and quick service Reviewed on: 14th January 2023

Helpful

You find out everything you need and very helpful good rates Reviewed on: 14th January 2023

Very happy

Can't fault the service and business. 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

Avios rewards credit card (discontinued)
from Lloyds Bank 4.10 from 60 reviews
Credit builder card
from thimbl. 4.41 from 18 reviews
Credit card
from first direct 4.40 from 28 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