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

Vote for zopa

They r very helpful and you know where you r with them Reviewed on: 11th April 2023

Great credit card

Fantastic company, and great credit card, helped me when I needed it most , and the app is super easy totally recommend x Reviewed on: 11th April 2023

Easy online application

Easy online application process and being able to manage everything in the simple app; check balance, pay bills, etc. Instant eligibility check with no impact to credit score. Reviewed on: 11th April 2023

No fuss credit card

When I received my credit card and could do everything I needed by their easy to use app it was a game changer for me as I’m not great at waiting on the telephone . Really easy to use and I can see my balance very easily Reviewed on: 11th April 2023

Convenient and responsible

I have a low limit and it’s very handy for unexpected emergencies! Nice customer service too Reviewed on: 11th April 2023

Excellent service and great app

The products are easy to apply for and helpful tips. The app is easy to use and regular updates Reviewed on: 11th April 2023

Help when needed

This company taken me on at a time when we was buying our first house . It was a godsend. You don't get hassled by them or spam emails . The credit card is manageable. Interest rates are low Reviewed on: 11th April 2023

Easy

Very easy to manage no surprises and when you make pay.ent it credits to your account straight away. Reviewed on: 11th April 2023

Best Card

All good.I am very happy to using Zopa cridet card.All the best. Reviewed on: 11th April 2023

Simple and straight forward

Excellent company and first class service 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

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