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)

Best

My experience with Zopa is fantastic! Reviewed on: 11th April 2023

the most amazing credit card company ever

the always handle me with great care i ask a million stupid questions and the answer them i never in my life leave reviews for anything but i genuinely love this company Reviewed on: 11th April 2023

Experience

A Great company to deal with Good understanding of customers requirements nice to deal with unlike some other companies Reviewed on: 11th April 2023

Best credit card provider

Great company, amazing app, easy to use and send helpful reminders. Reviewed on: 11th April 2023

Good

Very good interest rates and the app is very easy to use Reviewed on: 11th April 2023

Awesome

I’m really happy that they offered me a credit card when a lot of providers said NO! Never had any issue and you can build your credit score easily also get a increase not that hard if you’re responsible and really want to build something for yourself. Reviewed on: 11th April 2023

Fantastic Company

I have used several credit cards over the years and Zopa is the outstanding card for me. The app on my phone allows me to manage my card easily. I know where I am with my spending every day with a simple click on my phone. Excellent company Reviewed on: 11th April 2023

Easy to use, great app

Zopa is user friendly, with a great app and easy communications. Reviewed on: 11th April 2023

Zopa credit card

It was an easy process to apply and there payment alerts are helpful for staying up to date with payments and the online website is easy to use Reviewed on: 11th April 2023

correct and always helpful!

recommended by friends, fast and always on time! 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

123 credit card (discontinued)
from Santander 4.21 from 162 reviews
Bip Credit Card
from NewDay 4.80 from 2286 reviews
Credit Card
from thinkmoney 4.03 from 3 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