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

Easy pleasie

Quick access shows what you have spent on every transaction,let’s you know how to improve your credit history. Reviewed on: 11th April 2023

Great service and keep me informed

Great service and keep me informed I always know where I am with my balance and great customer service and above and beyond all expectations for a credit card Reviewed on: 11th April 2023

Amazing service

I was struggling to get a credit card but zopa full filled my dream. Reviewed on: 11th April 2023

Super easy and straight forward

Very easy to set up, deal with and manage. Everything via the app is clear and easy to use. Reviewed on: 11th April 2023

They are just the best

The best credit card provider that has always made my life easier Reviewed on: 11th April 2023

Great service and rates

Highly competitive with thier rates and a great service. Reviewed on: 11th April 2023

Easy control of account

Fantastic customer service easy to keep spending under control . The app has everything needed to make life easier Reviewed on: 11th April 2023

Superb

Zopa accepted me when others declined and not with a bad interest rate too, credit limit wasn't too high which was good so repayments were easy, also after a few months had the option to transfer balance from other cards for a lower interest rate. Reviewed on: 11th April 2023

Service

Zopa offer a wide range of services to make sure you keep to your balance, so you never go over. Safety cap Reviewed on: 11th April 2023

A good reliable company

Never had any problems and the fact that you can do most things buy phone helps 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

Clubcard credit cards
from Tesco Bank 3.97 from 349 reviews
Credit card
from 118 118 Money 4.73 from 5645 reviews
Clear Rate Platinum Credit Card
from NatWest 3.98 from 21 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