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)

Amazing service

Verry happy with Zopa, good service and my credit limit is growing very fast. Reviewed on: 11th April 2023

Very friendly

They are very friendly and helpful and trusting to help people out when you can't get a credit card from banks Reviewed on: 11th April 2023

Great credit card

Perfect to help build your credit score. The app is quick and easy to use. They let you know what your monthly pay with plenty of notice. Great interest rates. Very affordable. Over all amazing Reviewed on: 11th April 2023

Zopa are excellent

Zopa staff are brilliant dealing with your needs when you contact them. There app is amazing easy to use. They are the best credit card company by far .just brilliant Reviewed on: 11th April 2023

Very easy to use..

Very easy to use,safe and secure Reviewed on: 11th April 2023

100%

Class service, fair interest quick application process and good tools in app. Reviewed on: 11th April 2023

Easy payments

Easy payments and statements on phonemak8ng it easier to stay upright date Reviewed on: 11th April 2023

Fast friendly and efficient

Simple app lets me check my statements, balances and a buffer zone is an amazing way to ensure I never go near my credit limit thus reducing the chance of extra charges Reviewed on: 11th April 2023

Great card to use.

I applied for a new credit card after building up my credit score. They have been very handy and after 6 months put my credit limit up to a better limit. That was still easy to look after. Would recommend Zopa every time. Reviewed on: 11th April 2023

Easy simple

Very good way service to use would recommend 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

Nectar credit card (discontinued)
from Sainsburys Bank 3.51 from 97 reviews
Freedom Rewards Credit Card
from Barclaycard 3.67 from 63 reviews
Everyday Credit Card
from Creation 4.03 from 22 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