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)

Helped and supporting

They greatly helped me with the chance to rebuild my credit score.but did not look down on me.but gave me support and great advice.and it is still there for me.great company Reviewed on: 14th January 2023

Amazing customer service.

Always happy to help in customer service. Never been disappointed. Reviewed on: 14th January 2023

Bad Credit History

Zopa were able to provide me with a credit card to help build my credit rating back up when hardly any others would. The application process was simple and I was approved within minutes. Thank you Zopa Reviewed on: 14th January 2023

Excellent service

The service is very informative about spending and increasing your credi limit. Friendly service Reviewed on: 14th January 2023

Easy and simple

Easy to get, purchase interest quite small, not like in others credit cards. Reviewed on: 14th January 2023

Clear,concise & easy to use

Good notifications, advice & backup. An idea starter card Reviewed on: 14th January 2023

Excellent Choice on choosing a Credit Card

User friendly app, easy to make payments Reviewed on: 14th January 2023

Very Helpful

A very helpful company with a great app Reviewed on: 14th January 2023

Great and convenient

From the start of the application process was easy to and quick for approval. My balance was lower then what I wanted but after uninhabited it and paying it off they up my balance. If used correctly it’s a massive help. App is well made also. Reviewed on: 14th January 2023

Application

Straight forward and friendly, easy application process 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

Platinum Purchase Card
from TSB 3.52 from 8 reviews
Black Diamond Visa
from Vanquis 4.22 from 10 reviews
Credit card (discontinued)
from Wave (inactive) 3.85 from 3 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