Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44353 reviews)

View other Zopa products

4.87

Based on 44,353 reviews, last reviewed 20th Aug 2026

100% decrease in 5 star reviews

in the past 90 days

75% 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

Bad Zopa customer service The customer service provided is really bad. They promise 10business days to resolve for every reminder which is not fair as we won’t have enough wind... Read more Reviewed on: 17th August 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 (44353)

Quick and straightforward application.

My application for a credit card was easy and straightforward. I had a quick response and was accepted. The app is also easy to follow with lots of hints and tips to assist you to keep in control of your spending. Reviewed on: 11th April 2023

Quick and easy to set up, great to use, communication is excellent.

It took 10 minutes to set and get going. The App keeps you informed as to where you are and what you have spent. It feels safe and secure because of the security checks when doing a transaction. All in all a great facility Reviewed on: 11th April 2023

Love zopa

Sush a welcome and confident company Reviewed on: 11th April 2023

Easy as 1-2-3

With a handy app that’s simple to navigate, it’s never been easier to keep track of your spending! With added extra features such as financial advice, top tips and credit scoring the Zopa credit card makes my life so much easier! Reviewed on: 11th April 2023

Spectacular.. the best credit.

I stumbled across Zopa credit card, which is what I needed at the time. I applied on line with no hassle. It felt so easy and stress free. No appointment needed to spend hours going over expenditures. All taken from my credit score. Thank you. Reviewed on: 11th April 2023

Highly recommend

Great product, customer service and app! Reviewed on: 11th April 2023

Excellent Credit card service

Offered the best possible credit limit at the time compared to other high named credit companies and are reliable when needing information support Reviewed on: 11th April 2023

Easy app and good service

The app is very user friendly and the email and txt reminders are brilliant for reminding you to pay on time Reviewed on: 11th April 2023

Amazing company

Absolutely brilliant Really good Reviewed on: 11th April 2023

Best Credit Card Ever

As someone who has been using the Zopa Credit Card for a while now, I must say that it has been an incredibly handy financial tool to have in my wallet. With its low APR, it has helped me manage my expenses efficiently and save money in the process. One of the standout features of the Zopa Credit Card is its low APR. With a competitive interest rate, I have found it to be one of the most cost-effective credit cards available. This has allowed me to make purchases without having to worry about exorbitant interest charges adding up over time. It has also given me peace of mind knowing that I am not getting burdened with high interest rates on my outstanding balances. Another aspect that I appreciate about the Zopa Credit Card is its flexibility. It offers a generous credit limit that has come in handy for unexpected expenses or emergencies. The ability to manage my credit limit and payments online has been convenient and user-friendly, making it easy for me to keep track of my spending and stay on top of my payments. The Zopa Credit Card also comes with additional benefits such as cashback rewards and no foreign transaction fees, which have been an added advantage for me. I have earned cashback on my everyday purchases, allowing me to save even more money in the long run. The absence of foreign transaction fees has also been beneficial for my travels, as I don't have to worry about incurring additional charges when making purchases abroad. The customer service from Zopa has been excellent as well. The support team has been responsive and helpful whenever I had any questions or needed assistance with my account. This level of service has made my experience with the Zopa Credit Card even more positive. In conclusion, I highly recommend the Zopa Credit Card for anyone seeking a low APR option that is reliable, flexible, and comes with additional benefits. It has been a handy financial tool for me, helping me manage my expenses efficiently, save money, and enjoy the convenience of a credit card with excellent customer service. Reviewed on: 11th April 2023

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 The Co-operative Bank 3.54 from 37 reviews
Flex Purchase credit card
from Monzo 4.90 from 3188 reviews
Credit card (discontinued)
from Tymit 4.68 from 155 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69089 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Cash ISA
from Zopa 4.83 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