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)

Easy company to deal with

Great app. Probably better than most banking apps from the big names in banking Reviewed on: 11th April 2023

Helpful

Not had any issues with Zopa. Helpful company. Reviewed on: 11th April 2023

Nice and straightforward

One of the best credit card providers that I have used. Simply explained and a good straightforward app, easy to pay and easy to check your remaining balance. Not much more you can say, it just works well. Reviewed on: 11th April 2023

Great for credit building

Good services, easy to use app. Reviewed on: 11th April 2023

Awesome

Great custermer satisfaction and great custermer service Reviewed on: 11th April 2023

Fantastic app

Fantastic advice to help getting your score up Reviewed on: 11th April 2023

Excellent card

This card is simple and easy to use with a friend app to go with it, with a borrowing power tool to help explain we’re you need to work on with your finances it’s an excellent help to improve your credit rating Reviewed on: 11th April 2023

Best credit card and easy to check app

Excellent card with easy access on app very happy customer Reviewed on: 11th April 2023

The intelligent credit card

Love this credit card. so easy to track my spending. Keeps an eye on my credit score with monthly updates. App is so easy to use too just can’t fault it. Reviewed on: 11th April 2023

Best credit card for poor credit

The best service the easiest application process just the best 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

Freedom Rewards Credit Card
from Barclaycard 3.67 from 63 reviews
Credit card
from Debenhams 4.14 from 15 reviews
Credit Card
from Ocean Finance 4.09 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