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 Write a 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.

Review Zopa: Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

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)

Great service

Great customer service, very helpful and friendly. Helped build my credit score. Would highly recommend. Reviewed on: 17th March 2021

Simple safe credit

This card has been easy to use and understand, very good communication with credit improving advise and tips, helping me stay within my limits and improving my understanding Reviewed on: 17th March 2021

Excellent provider

Never had a problem with the service they provide and the app is very clean and easy to use....Overall excellent Reviewed on: 17th March 2021

Zopa have been a great help in supporting me to manage and improve my credit rating.

I’m currently trying to improve my credit but getting a credit card was difficult, Zopa approved me for a small limit to manage and had been a great help in supporting me to improve my overall credit rating. Thanks Zopa Chris Deering Reviewed on: 17th March 2021

Simple and efficient!

A very simple card to operate and service with a very effective service back-up from the card provider hence making it super efficient. Superb app to help with budget control too. Reviewed on: 17th March 2021

The best

Totally excellent in every way really good service Reviewed on: 17th March 2021

No problems for me

Easy to use app. All details including balance are quickly updated. Totally happy. No issues Reviewed on: 17th March 2021

10 stars

zopa, excellent service and good friendly customer services Reviewed on: 17th March 2021

Fantastic credit card

I would like to say thank you. The credit card I have from you is fantastic. The minute I make a payment it goes straight on to the balance which I love. Plus every now and again I get a message saying if I'm eligible for more credit which is fantastic. I would totally recommend this credit card to anyone many thanks simon donovan. Reviewed on: 17th March 2021

Totally satisfied

I am a new customer with zopa but from the initial registration ,to the app ,and the information provided i am very satisfied with this company and I am so happy that I am a zopa customer they make everything very easy Reviewed on: 17th March 2021

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

Gold Credit Card
from American Express 4.48 from 25 reviews
Clear Rate Platinum credit card (discontinued)
from NatWest 3.91 from 21 reviews
Credit card
from Debenhams 4.16 from 15 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69090 reviews
Fixed term savings account
from Zopa 4.87 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