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 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

Great for credit building

Zopa is credit for helping people with a low credit score build their credit file Reviewed on: 11th April 2023

I love how easy and simple zopa is

Using zopa is super easy and even apying for credit was a breeze, they regularly notify you If you’re eligible for a higher limit and you can even See uour affordability in the app Reviewed on: 11th April 2023

Credit card

10/10 easy to use loads of different tools to help you keep on track Reviewed on: 11th April 2023

Have had a seamless experience with Zopa

Easy application, easy to use app, always informed of balance, payments etc. Unless insights into credit stability etc Reviewed on: 11th April 2023

Happy with this credit card

Good credit card Reviewed on: 11th April 2023

Great Service

Always happy to help, provide all information updates regularly Reviewed on: 11th April 2023

Excellent and trustworthy service

I have had a few credit cards and Zopa seem to be more interested in keeping you as a customer safe and secure when transacting online. Customers services are always about to help with any query Reviewed on: 11th April 2023

Best experience ever

The best credit card for my and my family Reviewed on: 11th April 2023

Great card

Great to helping build your credit score. Easy to use on line app. Would recommend Zopa Reviewed on: 11th April 2023

Efficient and reliable

Fabulous customer service and an excellent card to have 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

Credit card
from Luma 4.16 from 3 reviews
Credit Card
from Ocean Finance 4.08 from 22 reviews
Avios Rewards Credit Card
from Lloyds Bank 4.14 from 60 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