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

The best credit card for young adults

This is the only CREDIT card I’m aware of where you are not charged fees abroad. Perfect for my needs Reviewed on: 3rd April 2022

A Sound Credit Card that requires Clarity!

This sound Credit card is for those positive applicants who take credit seriously. Additionally, it is for those reliable Users,who have reached satisfactory and competent levels of good,credit card management. Welcome to a "Higher Level of Clear,Credit card Usage!" Reviewed on: 3rd April 2022

very pleased

I had no experience, everything is very easy and convenient and it was very easy and simple Reviewed on: 3rd April 2022

Quick and handy

It was a quick and easy application. Handy to have with a manageable limit and ok APR. Reviewed on: 3rd April 2022

Quick and Easy

Quick and easy application card arrived swiftly app is great too highly recommend Reviewed on: 3rd April 2022

Transparent, easy to use, good rates

I chose Zopa because they give me freedom to pay back on my own terms through the app so if I have extra money I can pay a bit more off etc. They gave me a great rate on my loan and are always very open and transparent about fees. I would definitely recommend them to friends and family and my wider social network Reviewed on: 3rd April 2022

Brilhante card

I got zoopa credit card, and all I Can think about Is how amazing it is Reviewed on: 3rd April 2022

Fantastic simple and informative app

This is a fantastic opportunity to safe and earn money as well as spend money. Zopa banking and the app offer so much more than just credit card statements and ways to pay. It gives you options to save money on your household bills and to save money In the savings account. The app also allows you to hold back some of your balance in a separate emergency account. You can't get a better credit card company than this. Its more than a credit provider it's a overall financial savings and spending account with all the extras you just don't get from other providers and apps. 100% recommended Zopa and the application was simple to do and the card was here before the date stated Reviewed on: 3rd April 2022

Great credit facility

Honestly they are one of the best I have come around, the customer service is great and you can track your spending using the app, they also help you check your credit score and give you the option of paying with a boosted payment. I have a direct debit set up but also make separate payments via my debit card which is great to clear your balance quicker! I give them 5 stars and well worth getting to help boost your credit score, but only get if you know you can afford to make repayments and manage your money well. Thanks Zopa! Reviewed on: 3rd April 2022

Zopa - helpful and easy to use

Zopa credit card has an amazing app with many features all very user friendly. Would recommend to anyone who need a little extra help at times. Reviewed on: 3rd April 2022

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

Black Diamond Visa
from Vanquis 4.22 from 10 reviews
Clear Rate Platinum credit card (discontinued)
from NatWest 3.91 from 21 reviews
Credit Card
from thinkmoney 4.03 from 3 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69090 reviews
Fixed term savings account
from Zopa 4.86 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