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)

Very Easy and Straightforward

All very easy and straightforward. No issues. Reviewed on: 14th January 2023

Not going to be keys for a few weeks or more than the rest of my time

Not what I meant to be doing for the next step in this role but I'm afraid I have to do it all again Reviewed on: 14th January 2023

Friendly and helpfull

I've found zopa friendly and helpful,no problem at all when applying for a loan or credit card, I'm never inundated with news of products etc,just a great company all round.Yes highly recommended. Reviewed on: 14th January 2023

Help people with a bad credit score

Good and easy app that is helpful. Contributes to poor credit score so gives people a chance to improve their score. Would highly recommend Reviewed on: 14th January 2023

Excellent company great communication and very sincere and genuine

I had a zope loan which has gone well and got offered a credit card i have found it really good to use important info and online alerts as well as easy to understand staements and payments. Reviewed on: 14th January 2023

Easy to manage

I like being able to manage my account through the app including freezing the card if I lose it. Reviewed on: 14th January 2023

Brilliant card offers

Zopa is brilliant if you want to build your credit rating! It's has helpt me get my credit score up to over 800. You can set credit limits so you can not over spend their customer service is perfect. Reviewed on: 14th January 2023

Stars say it all

Never had a problem with zopa just recently opened a boosted savings account with a great interest rate they have everything I need ,the app is so easy to use updates immediately When payment are made easy to follow accounts, highly recomended Reviewed on: 14th January 2023

Very happy

Great service , easy to sign up for, the app is easy to use Reviewed on: 14th January 2023

Amazing sensible smart banking

I have a credit and loan with Zopa and since I signed up with Zopa my finances have noticed drastically. Their support and easy sensible banking has made it easier to manage my debt and navigate the challenging current cost of living crisis really well. Everyone should sign up with Zopa. 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

American Express Credit Card
from American Express 3.60 from 121 reviews
marbles credit card
from NewDay 4.44 from 543 reviews
Freedom Rewards (discontinued)
from Barclaycard 3.23 from 64 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