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

Dies what it says on the tin

Easy to use. Payment cleared almost immediately Reviewed on: 13th January 2023

Best service

They ate the best service provider Reviewed on: 13th January 2023

Very helpful information about how to build a credit score

One of the best credit card for beginners to improve credit score Reviewed on: 13th January 2023

I'm so happy

Everything is going easy. Upgrading is coming fast and easy Reviewed on: 13th January 2023

Great product

Great card with full online access. Easy to control spending and check balances. Also notification after every spend. Reviewed on: 13th January 2023

Help when needed

As a bankrupt almost at discharge, I needed a card to help build my rating. The application process was simple and I didn't feel like I was going to be rejected. The interest is reasonable and the app means I can control my account easily. It has helped me, and I will be continuing to use this now I am discharged to build my credit score. Reviewed on: 13th January 2023

Amazing company

Customer service good . No issues Reviewed on: 13th January 2023

Great deals

Great deals. I recommend Zopa. Get a Zopa credit card. Reviewed on: 13th January 2023

Understanding

Zoopla help me build my credit rating backup always been fairly good company. Never harass customers. Excellent customer service. Google is very good as well easy to understand and do we stand. Plenty time to pay back what you owe Reviewed on: 13th January 2023

Helpful and reliable

Zopa is a great and fantastic credit card company. There payments are fair and very supportive. 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

Cashback credit card
from Lloyds Bank 4.24 from 26 reviews
Classic Extra Card (discontinued)
from Capital One 4.08 from 6 reviews
Gold Credit Card
from American Express 4.48 from 25 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