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)

Fab

Really good credit card and app is brilliantly Reviewed on: 11th April 2023

Convenient and easy to apply

It was quiet easy to apply and they gave me a good credit limit straight away. Reviewed on: 11th April 2023

Simple and easy.

Zopa make credit, repayment and money management simple and easy. I like the friendly branding and the customer friendly app. Reviewed on: 11th April 2023

Credit Card

Very easy to apply for and app is easy to navigate Reviewed on: 11th April 2023

Credit

Zopa very good company very helpful & very good service Reviewed on: 11th April 2023

Easy work

Easy to understand Easy to set up and spend...I like this card Reviewed on: 11th April 2023

Perfect 4 bad history

As a person with bad credit history zopa have provided me a platform to improve my future credit history Reviewed on: 11th April 2023

Very easy and helpful

Great apr rates easy to use app and very helpful and friendly customer service Reviewed on: 11th April 2023

Zopas amazing

Brilliant choice for lending and really good app for customers to use and very easy to work with love ya Zopa xxx Reviewed on: 11th April 2023

Simple, helpful useful

Helped me get a credit card when others turned me down. No hidden agenda did exactly what I needed when I needed it 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

Choice Rewards Credit Card
from Lloyds Bank 4.15 from 14 reviews
Clarity credit card
from Halifax 3.69 from 272 reviews
British Airways credit card
from American Express 4.07 from 93 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
Current account
from Zopa 4.83 from 6600 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