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)

Excellent

Very helpful always able to speak with someone Reviewed on: 11th April 2023

Amazing

Absolutely outstanding service, would highly recommend Reviewed on: 11th April 2023

Easy to manage

What a fab product … easy to use and manage and fast ! Reviewed on: 11th April 2023

Excellent service

Fantastic would highly recommend they gave me a credit card to help built my credit sore when no one else would Reviewed on: 11th April 2023

Credit card

Absolutely fantastic, no issues or hassles with the process or the usage of this card and service, definitely top of the lust Reviewed on: 11th April 2023

One of the best credit cards

I have been Zopa customer for a year. It was very easy to apply for a card and get a significant credit limit. The purchase process with a card takes a minute. You can make your repayment quickly and effortlessly. I will recommend Zopa services to my family, colleagues and friend. Excellent customer and IT services.! Reviewed on: 11th April 2023

Great

Nothing but a positive experience! Would recommend Reviewed on: 11th April 2023

Absolutely spot on

Easy to use, very friendly and reliable. I've had no issues. And to top it off, the card looks a bit snazzy too. Top drawer banana in my book. Reviewed on: 11th April 2023

Fab service

Quick efficient helpful service Reviewed on: 11th April 2023

Great company, low %

I’ve had a good overall experience with zopa, I already recommended them to my family and friends 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

Classic Credit Card
from Bank of Ireland 4.06 from 6 reviews
Freedom Rewards Credit Card
from Barclaycard 3.67 from 63 reviews
Avios Rewards Credit Card
from Lloyds Bank 4.16 from 60 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