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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)

Gave me a chance when others wouldn't!

Iv been trying sort my financial position for a while now and whilst my credit score wasn't reflecting the work and payments I was putting into my credit file, Zopa credit card has given me the chance to prove I am a credit worthy customer. I use my card to help build my score and then help with end of month cash flow. When my limit is substantial enough I would use my card for my larger purchases rather than daily spending. Thank you and bottoms up to a long future with Zopa and your other services. Reviewed on: 16th April 2021

Easy, friendly, great credit builder

It was easy to sign up, the staff are friendly, the app is really clear. It's a great card to help build your credit score. Reviewed on: 16th April 2021

Helping

Very good card provider to know how much can borrow and to increase credit history. Reviewed on: 16th April 2021

Mrs

Great credit company , quick service Reviewed on: 16th April 2021

amazing xx

love the app so easy and clear,love it Reviewed on: 16th April 2021

Amazing from the start

Honestly not got the best credit score, is helping me loads! Brilliant company best I’ve seen Reviewed on: 16th April 2021

Easily the best credit card by far

Fast efficient transactions, best app based support and tracking for your expenses. Highly trained customer service advisors, 5 stars Reviewed on: 16th April 2021

Great customer service

Great customer service with an amazing app that is easy to use and updates you regularly. Reviewed on: 16th April 2021

Excellent card

Very easy to understand and great app Reviewed on: 16th April 2021

Brilliant

So far has been amazing credit card only been using 4 2 months tho Reviewed on: 16th April 2021

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