Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44353 reviews)

View other Zopa products

4.87

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 See your 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.

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)

Review of the Zopa, Credit card:

I've found zopa incredibly helpful all the time

I've found zopa incredibly helpful all the time Reviewed on: 17th April 2025

Marry

I have had issues with credit cards before but Zopa has given the chance to start with clean slate. Reviewed on: 11th April 2023

Very helpful

Great help when needed and needed a payment holiday Reviewed on: 11th April 2023

Responsible lending

Very responsible lender and will not bump up your credit limit just to make more money on interest Highly recommend Reviewed on: 11th April 2023

Great service

I have been with Zopa for several months now and the service I have received so far has been brilliant. I use the App and this makes it easy to have an overview of my account and make any repayments quickly and efficient. All in all my experience so far has been nothing but positive. Reviewed on: 11th April 2023

Good and easy to use

Easy credit card. Easy set up and good app to manage spending Reviewed on: 11th April 2023

Great

Easy process to apply and quick with a response reasonable rates based on my credit score would recommend to folk Reviewed on: 11th April 2023

Excellent

Had no problem getting credit card and if any issues sorted straight away excellent company Reviewed on: 11th April 2023

Easy to make payments and use

The Zopa application is really user friendly and good service overall Thanks Reviewed on: 11th April 2023

Easy to apply

Great service easy app to navigate better interest Reviewed on: 11th April 2023

Always been fab

Never had an issues really easy to use. Brilliant. 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

Cashback Plus Credit Card
from NatWest 4.50 from 68 reviews
Credit builder credit card
from Vanquis 4.73 from 28694 reviews
Freedom Rewards Credit Card
from Barclaycard 3.67 from 63 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