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Zopa: Credit card reviews

Name: Credit card
Rating: 4.86 (44353 reviews)

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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

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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 (44353)

Best credit card

I have used a number of credit cards in the past and using a few currently but none can be compares to Zopa especially the APR which is better than many others in the market Reviewed on: 11th April 2023

Credit card worth to have

Fair and clear credit card much better than high street banks Reviewed on: 11th April 2023

My Zopa card

Quick and easy to set up and use been very happy Reviewed on: 11th April 2023

Excellent

Easy to set up very user friendly and great customer service Reviewed on: 11th April 2023

Good credit card

Very good experience, easy to use, application have too many option and good APR Reviewed on: 11th April 2023

Great and for rebuilding my credit score!

My Zopa credit card is easy to manage and the app is user friendly. I have watched my credit score gradually improve since using Zopa. The also give tips on managing my finances better. Reviewed on: 11th April 2023

Given a chance

I received a credit card with a low credit score. Been given the charnce to prove I am able to control credit again. Thanks Reviewed on: 11th April 2023

Excellent service

Excellent service and app easy to use and always helping you find ways to improve your credit score Reviewed on: 11th April 2023

They're reliable

It was easy to get the credit card and the application process was smooth Reviewed on: 11th April 2023

Very good

Good service and easy to access with the app Reviewed on: 11th April 2023

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