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)

Straight forward and easy to use

The zopa credit card application was very easy and straightforward. Everything went very smoothly. The app is also very easy to use and let's you know very easily what your balance is, when your payment is due and the amount due also. Reviewed on: 11th April 2023

Perfect

All very helpful Nice and friendly Reviewed on: 11th April 2023

Nice and easy

Helped me when others wouldn’t. App very easy to use. Reviewed on: 11th April 2023

Best cradit card

Love this card to all the people who gave bad cradit you can build your finances Reviewed on: 11th April 2023

Fantastic company

Great company, easy to talk too! Reviewed on: 11th April 2023

Highly recommend

Great communication and access to check account and through application Reviewed on: 11th April 2023

Easy simple

Easy and simple, never no problems Reviewed on: 11th April 2023

Brilliant company

Overall experience is very good well communicated and very good well it comes to dealing with issues can't fault Reviewed on: 11th April 2023

First great experience with Credit Cards!

Easy, straightforward and overall great management through their app! Reviewed on: 11th April 2023

Best credit card

Really easy sign up process and credit limit tailored specifically for you. I downloaded the app which is really easy to use and make payments on there. Customer service is great too 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 4.17 from 162 reviews
Clarity credit card
from Halifax 3.68 from 272 reviews
Cashback Plus Credit Card
from RBS 4.08 from 8 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
Cash ISA
from Zopa 4.83 from 1546 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