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)

Easy application, decent credit limit, very good apr

I have a default and 2 unsatisfied CCJs on my credit report from a financial blip a few years ago. Zopa still offered the best credit limit and by far the best apr compared to every other provider Iv looked at, 20% lower apr in most cases. Easy application process, and managed from an app with fortnightly affordability updates that show you what other products you might be eligible for, loan, car finance, savings etc. very happy with Zopa, got the chance to rebuild my credit without being ripped off Reviewed on: 13th January 2023

Credit card and loan

Very quick with applications and correspondence and customer focused Reviewed on: 13th January 2023

Excellent

It was quick and fast to apply for my card. Very good customer service Reviewed on: 13th January 2023

Fantastic

Best card I ever used, easy and friendly Reviewed on: 13th January 2023

Brilliant credit card

Very good credit card and work well with me as a customer can't fault them at all first class Reviewed on: 13th January 2023

Simple and straightforward

Amazing and easy to use!! Can’t recommend highly enough!! Reviewed on: 13th January 2023

Helpful and honest

Great company who operate in a safe and honest manner Reviewed on: 13th January 2023

Easy to use there app

Easy to use there app not pushy Reviewed on: 13th January 2023

Great company, transparent and fair

Transparent company, super friendly staff, the app is great - especially when forgotten your pin! can't reccomend enough 10/10 Reviewed on: 13th January 2023

Fabulous

So helpfully they know how to help you Reviewed on: 13th 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

Zero credit card (discontinued)
from Santander 4.34 from 22 reviews
Credit card
from Zempler Bank 4.83 from 5821 reviews
Cashback credit card
from Lloyds Bank 4.25 from 26 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