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

Excellent App and easy to make payments.

I have had a great experience and increased my credit rating, as used sensibly. Reviewed on: 30th March 2022

New-ish Customer

The process has been easy. The app is fantastic. I feel as though they actually treat me like a person rather than a number Thanks Zopa Reviewed on: 30th March 2022

Grate service

I use this service all the time , never had any issues, easy payment, always reliable and easy to use Reviewed on: 30th March 2022

Fantastic

Easy to make repayments, not charged over the top apr Reviewed on: 30th March 2022

Excellent Service Provider

I have been very satisfied with your servie and it has helped me to take care of financial needs Reviewed on: 30th March 2022

Good friendly service

Really help full when I a bad situation Reviewed on: 30th March 2022

Nice

When nobody wanted me ,they wanted me so thanks zopa Reviewed on: 30th March 2022

Brilliant Company

Searched for the best interest rate around with my credit score & Zooa was the best & I'm so pleased they were, the app is great, they keep you upto date with everything from your credit score to what's available to you, I'd recommend them in a heartbeat to family & friends no problem at all, one very happy customer here. Reviewed on: 30th March 2022

Zoopa

Jest ok. Bardzo przyjazna na nowych klientów Reviewed on: 30th March 2022

Brilliant and useful

Friendly service Didn’t take much time to set up, app is easy to use Reviewed on: 30th March 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

Credit card
from Chase Bank 4.81 from 383 reviews
Premier Credit Card
from HSBC 3.99 from 20 reviews
Credit card
from M&S Bank - Marks and Spencer 3.60 from 209 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