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

Credit card

This company has bin brilliant from the start the whole process and everything is just great highly recommended to everyone Reviewed on: 14th January 2023

Excellent

Excellent service and straight forward application Reviewed on: 14th January 2023

Brilliant

Very user friendly. Very clear and transparent around fees and what they can offer. Excellent all round Reviewed on: 14th January 2023

Great card to use

Great card to use app very easy to use Reviewed on: 14th January 2023

Very helpful

Very quick and satisfying, thank you so much Reviewed on: 14th January 2023

Usage

Just so easy to use the service Reviewed on: 14th January 2023

Very good customer service

Never let the customers down.Every time they let you know about changes via email and text messages........I will recommend..... Reviewed on: 14th January 2023

Great Credit Card

Zopa is a great modern credit card, the app is very easy to use and all transactions are instantly displayed with the company and notifications. The credit card app has lots features and is very user friendly. The card is easy to use with the contactless and the security is great leaving you assured your in safe hands. Reviewed on: 14th January 2023

Beat service

Zopa made it easy to apply and have been there whenever I’ve needed them Reviewed on: 14th January 2023

Great rates and limit

I earn a very good living but silly decisions in my last have had a detrimental effect on my credit score, Zopa seen past this and offered me not a great APR and a higher limit than others in its class 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

Select Credit Card
from Nationwide 3.87 from 14 reviews
Flex Purchase credit card
from Monzo 4.90 from 3189 reviews
Nectar credit card (discontinued)
from Sainsburys Bank 3.44 from 97 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