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:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

Excellent excellent excellent

I had quite a low credit score these guys gave me a chance and I’ve came on leaps and bounds Thankyou! Reviewed on: 21st February 2023

Easy app to use

The app is easy to use. So far not had any issues use my card any where Reviewed on: 21st February 2023

Excellent

My first credit card and everything has been easy to understand and well explained Reviewed on: 21st February 2023

Very friendly people

Good to talk too and very helpful all the time. Reviewed on: 21st February 2023

Awesome

Amazing project and easy to understand Reviewed on: 21st February 2023

Great service, helpful

Great way to build your credit score, safe and reliable online services. Reviewed on: 21st February 2023

Easy to use and great app

The app is easy to use and keeps me fully upto date with my balance and I'm able to pay off my balance quickly. If you have more products from Zopa, you can also view these at the same time on the app. Reviewed on: 21st February 2023

Credit Card

Best Credit Card I have used recently. Would recommend it Reviewed on: 21st February 2023

Very good repayments that suit the customer.

Easy to apply and repayments are easy to make through the App. Reviewed on: 21st February 2023

its amazing

Easy to understand details when applying for the card Reviewed on: 21st February 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 Cards
from Smile Bank 3.84 from 4 reviews
Credit card (discontinued)
from Wave (inactive) 3.85 from 3 reviews
Cashback Plus Credit Card
from NatWest 4.50 from 68 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