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)

Brilliant service

Take care of your limite sister you can afford payments Reviewed on: 14th January 2023

Excellent

I’ve enjoyed using the Credit Card Reviewed on: 14th January 2023

Awesome benefits and reliable

Always great to take emergency cash and Zopa never fails. The app is easy to use and works flawlessly. The rates are great and I never feel like I’m being punished with rates. Does what it’s supposed to do and has great features. Reviewed on: 14th January 2023

Fantastic all round service

Oh so simple application process with instant decision...the app is superb and the acc so flexible. Zopa communication is spot on too....not irritating or overbearing, nor are you left in the wilderness. ***** Reviewed on: 14th January 2023

Good credit builder

It’s been great and I can not thank them enough Reviewed on: 14th January 2023

Very happy with service

Always helpful and there to help Apps is very helpful and helps pay your account each month and can pay more if you can afford to Reviewed on: 14th January 2023

Good credit limit

Good card and limit with flexible payment Reviewed on: 14th January 2023

Helpful

Money when I needed it most. It is nice to have a credit card provider that has faith in its customers Reviewed on: 14th January 2023

Good company

Easy to apply,and use,very good company,very happy with zopa,everythings straight forward Reviewed on: 14th January 2023

Excellent card Great service

An excellent card with an app that’s very user friendly. 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 Cards
from Smile Bank 3.84 from 4 reviews
Student Credit Card
from NatWest 4.19 from 6 reviews
Classic Extra Card (discontinued)
from Capital One 4.08 from 6 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