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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.

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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)

Smart Credit Card

Excellent service. Keeps me well informed. Nice range of products available Reviewed on: 14th January 2023

So easy to use

Love the app, simple to use and a great way to boost / improve credit rating. Thanks. Reviewed on: 14th January 2023

Fantastic credit card with low interest rates

Brilliant credit card with nice low interest rates. Always have up to date statements when viewing online. Highly recommended Reviewed on: 14th January 2023

Best card ever

Does everything that is needed ,great support Reviewed on: 14th January 2023

Zopa

Great credit card good interest rate. And very easy to apply Reviewed on: 14th January 2023

Excellent choice

This card was easy to apply for with the best rate for a balance transfer Reviewed on: 14th January 2023

Great company

Excellent service and customer care with fantastic products. Reviewed on: 14th January 2023

Great, versatile card, with an easy to use app

Great, versatile card, with an easy to use app Reviewed on: 14th January 2023

Uncomplicated and helpful

A great service, the app makes it easy to keep on track with payments. Simple to use and great for building better credit references. Reviewed on: 14th January 2023

Good company

Amazing service highly recommend to everyone Reviewed on: 14th January 2023

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