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 See your 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.

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)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

Best easy to use credit card

I like Zopa so much overall the customer service is amazing and the app is straightforward and easy to use Reviewed on: 14th January 2023

Fast, low rates and transparent

Using the Zopa app to manage credit card and loans as well as new applications is so easy. No over complicated processes and you know where you stand from the start. Reviewed on: 14th January 2023

Simply the Best

Simple direct and wonderful product. Keeps me informed and up-to-date with all uses. Reviewed on: 14th January 2023

Brilliant service

Brilliant service,always happy to help. Very trusty. Reviewed on: 14th January 2023

Super easy & convenient and clear

The Zopa credit card is really user friendly- the app is fantastic. Everything works easily. Reviewed on: 14th January 2023

Very easy card to use

Loved this card..very easy to use..happy to recommend Reviewed on: 14th January 2023

Fantastic Card.

This card was offered to me when other companies considered my credit rating to be too low. Once I started to use it and pay off the balance every month, my credit score began to increase. Having the card now gives me peace of mind that I have the credit facility to fall back on should I need it. Reviewed on: 14th January 2023

Fantastic easy to use provider

Every thing Zopa do makes financial life easier. Everything I need is available in the app and presented clear and consistently I’m very happy with my product and the service provided. Reviewed on: 14th January 2023

1-2-3 ZOPAY

Fantastic app easy to access account and monitor your spending ,it's also easy to repay. Reviewed on: 14th January 2023

Great card

Easy acceptance, apr not too high, only downside is the low credit limit which does not seem to rise 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

Purchase credit cards
from MBNA 2.95 from 196 reviews
Credit Card
from Ocean Finance 4.15 from 22 reviews
Credit cards
from Virgin Money 3.59 from 819 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