Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.86 (44353 reviews)

View other Zopa products

4.86

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)

Great Card

Easy application clear and easy. I had no.issues. Reviewed on: 11th April 2023

Good card

Easy to use app, making payments is very simple Reviewed on: 11th April 2023

Grat crait card

So happy I have a card with yous you are amazing company Reviewed on: 11th April 2023

Easy to use. Informative.

I took a credit card to help build my credit rating. I had a decent amount approved and manageable repayments. They always let me know when payment is due and keep me informed of many changes Reviewed on: 11th April 2023

Easy to use

This credit card is so simple. The app makes it really easy to keep track of payments, credit limit and view statements Reviewed on: 11th April 2023

Great

Great company, after a costly separation from my partner I got in to debt 4 years on I reduced my debt and increased my credit report from 35 to 405 and applied for my first credit card with Zopa online, after a few minutes of filling in my details to see if I would be accepted I got the good news of being accepted with a £500 starting credit limit, I accepted and within a week my pin and new stylish credit card arrived, the Zopa app is easy to use and updates you on your spending and updates your payments/ statements efficiently. I definitely recommend this company to anyone looking for a fair chance of credit. Reviewed on: 11th April 2023

easy to use

realiable and easy good customer service Reviewed on: 11th April 2023

Helpful

Always there if I need them and no constant phonecalls very easy app to use Reviewed on: 11th April 2023

Fast needs satisfying

When you are in a strange financial situation and you struggle to satisfy your daily needs, Zopa credit card helps you Reviewed on: 11th April 2023

So good

Zopa has really helped me rebuild my credit score and they are very helpful and seems to work well for it customers 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

Everyday credit cards
from Lloyds Bank 4.10 from 68 reviews
Freedom Rewards Credit Card
from Barclaycard 3.67 from 63 reviews
Classic Credit Card
from Bank of Ireland 4.06 from 6 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