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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44354 reviews)

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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

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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.

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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)

Best credit card I have no contest.

I have 3 credit cards and this is the BEST Reviewed on: 25th January 2022

Quick and easy

By far the best thing I’ve use quick and easy. Even in the app super easy to pay back and you can set up a monthly direct payment Reviewed on: 25th January 2022

Excellent

It has been easy from applying to using the app. Would recommend to everyone Reviewed on: 25th January 2022

Fantastic credit building card

I needed to build my credit, and the Zopa card was fantastic. Being able to see my score in the app was also mega helpful Reviewed on: 25th January 2022

Credit limit

I would definitely recommend Zopa but the only negative I have is I've been with you for a year and paid all my bills on time and in full and I've never been offered a credit limit increase. Reviewed on: 25th January 2022

Easy polite service

Easy service to use and easy accessibility to app Reviewed on: 25th January 2022

Great company

Never had any issues with this company, great customer service and always on hand. Reviewed on: 25th January 2022

Online services are very easy to use and accessible.

Excellent service and clear communication Reviewed on: 25th January 2022

Great App and Card

Very pleased with smooth operation Reviewed on: 25th January 2022

Best credit card

Best customer service very helpful and easy to use Reviewed on: 25th January 2022

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