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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44353 reviews)

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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

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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

Great!

Great credit card company, very good interest rates. Really friendly customer service. Super easy to use the app - couldn’t recommend enough! Reviewed on: 11th April 2023

Excellent

Best card and very easy to use and very easy to pay Reviewed on: 11th April 2023

Great Service and easy to use

Zopa allows me to have a credit card with easy use via the App and increases my credit if and when possible, i have received no late fees or issues with the service and the best credit card i hold from 4 credit cards. Reviewed on: 11th April 2023

Right there when we needed it!

We were struggling like most people, scared of what to do! Then we applied for Zopa! All I can say is THANK YOU from the Fice-Thomson Family. X Reviewed on: 11th April 2023

Easy and straightforward.

From the very start, the application process was simple, the app is great to use and also easy. Reviewed on: 11th April 2023

Best credit card company by far

I have been using Zopa for my credit card needs for quite some time now, and I must say, they are hands down the best credit card company I have ever dealt with. Their service, features, and overall experience have been exceptional, and I highly recommend them to anyone in need of a credit card. First and foremost, Zopa's customer service is top-notch. Their representatives are always friendly, knowledgeable, and prompt in addressing any inquiries or concerns. Whether it's over the phone or through their online chat, I have always received excellent service from their team. They go above and beyond to ensure that their customers are satisfied and well taken care of. One of the standout features of Zopa's credit card is their competitive interest rates and fees. As someone who carefully manages their finances, having a credit card with reasonable rates and fees is crucial. Zopa offers competitive APRs, annual fees, and foreign transaction fees, which make it cost-effective and convenient for me to use my credit card both locally and internationally. This has saved me a significant amount of money compared to other credit card companies I have used in the past. Another aspect that sets Zopa apart is their user-friendly online platform. Managing my credit card account with Zopa is seamless and efficient. Their website and mobile app are intuitive and easy to navigate, allowing me to access my account information, view transactions, make payments, and set up alerts with ease. The convenience and accessibility of their online platform have made managing my credit card a breeze. Furthermore, Zopa offers an array of additional benefits and rewards that make their credit card truly exceptional. From cashback offers to loyalty rewards, I have been able to earn valuable perks by using my Zopa credit card for my everyday purchases. These rewards have been a great way for me to save money and get additional value from my credit card usage. In conclusion, Zopa is, without a doubt, the best credit card company I have ever had the pleasure of doing business with. Their exceptional customer service, competitive rates and fees, user-friendly online platform, and valuable rewards make them stand out in the market. I highly recommend Zopa to anyone looking for a reliable and trustworthy credit card company that puts their customers first. Reviewed on: 11th April 2023

Excellent customer service all round!

Any problem you guys are quick to resolve and always pleasant Reviewed on: 11th April 2023

One of the best

If you have to improve your credit score Zoppa is the best to do it, is simple and easy to manage. I am really glad to have it. Reviewed on: 11th April 2023

Great company

Great xredit provider. Glad I chose them as my credit card company. Reviewed on: 11th April 2023

Outstanding customer service

Very quick to help with your request and so easy to follow Reviewed on: 11th April 2023

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