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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)

Affordable credit card for all low income earner

This is the only card I found with low interest and has no extra charges attached Reviewed on: 7th April 2021

Fantastic card

I have had many credit cards over the years but this is far the best one payments made are instant so you know where you stand when paying your card bill Reviewed on: 7th April 2021

Excellent Service

Really straight forward, from application to terms and conditions right through to their mobile app. Great choice Reviewed on: 7th April 2021

Fantastic

No complaints , very easy to apply with quick response time . App is really good too and easy to use Reviewed on: 7th April 2021

Zopa is super!!!

Zopa is a really good credit card, very user friendly and you know where you are with all aspects of having a credit card! Would totally recommend! Reviewed on: 7th April 2021

Great and straightforward

I have had no problems from the time I got a loan to getting a credit card. The app is very easy to use and if I needed too there was always someone knowageable to talk to. Reviewed on: 7th April 2021

Great company clear pricing

Clear pricing and accepted me with poor credit history Reviewed on: 7th April 2021

Flexible card easy to use app and instant updates on transactions

Very straight forward, easy to use and monitor repayments could not be easier your always in control. Reviewed on: 7th April 2021

Great app to use

Good option to overpay on loan whilst reducing interest Reviewed on: 7th April 2021

Excellent

Excellent Give you a chance to build your credit rating up Reviewed on: 7th April 2021

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