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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)

Good credit card provider good apr rate.

Compared around on market to other credit card providers. Reviewed on: 14th January 2023

Excellent

No problems, easy to use would highly recommend Reviewed on: 14th January 2023

Zopa credit card !

You probably would read this review and think ! Are it’s just another bloke giving 10/10 for a stupid credit review! But it’s not like that at all , When I was down in my luck and needed help I applied for a card and it took exactly 15 minutes to get one , So I have used it and paid my bills on time for 3 months and now they have trebled my credit limit, Which has helped me no end , You will always get those smug people who will say >>> our yes they’re giving you a better credit limit so that you can go in to debt more ? But that’s not the case if you treat these people properly they read into your needs and are there to help , especially when I neede it most at Christmas which was a magical time for me and due to all the rises in the cost of living, I needed a helping hand and zopa were there for me Thanks again 10/10 no problem at all Reviewed on: 14th January 2023

Easy, quick and very helpful, lots of information when you need it, fantastic app

Great everything is so simple and easy to use and understand Reviewed on: 14th January 2023

Amazing

low interest. the best credit card Reviewed on: 14th January 2023

Great provider!

Great customer experience, easy application. Great app for ease of use/payments Reviewed on: 14th January 2023

Does what it says

Great card and app. Helps you keep good control of Your spending, credit rating and tips for helping to improve credit. My information is always up to date so I can keep a close eye on things. Reviewed on: 14th January 2023

Simple and enjoyable

Having a credit card with zoopa is a breeze. The app is easy to use and offers a range of useful spurce to help you stay in control. It's affordable and offers alot to the customer. One of the best credit cards I own well done Zoopa for a well rounded credit card. Reviewed on: 14th January 2023

Brilliant

Best card I've ever had it was so simple to get started no problems at all very good Reviewed on: 14th January 2023

credit card

best service iv had with a credit card company Reviewed on: 14th January 2023

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