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 and epic

Zopa is an easy affordable credit card...I have bad credit so they gave me a limit I could manage and the repayments are manageable Would highly recommend Reviewed on: 21st February 2023

Never had a problem with this company.

Very fair transactions and good customer service Reviewed on: 21st February 2023

App is easy to use.

Everything you need is on the app, with fantastic functionality. Had no issues since using, and can make updates quickly and efficiently. Reviewed on: 21st February 2023

Great product, great service

Zopa really do understand the needs of their customers. Easy access to balances, statements. Fully automated repayments, literally I let Zopa do it all. Great service. Reviewed on: 21st February 2023

Easy app

The app is easy to use and understand. You can find all the help and info you need .an easy experience. Reviewed on: 21st February 2023

Good services

I am glad for use Zopa credit card Reviewed on: 21st February 2023

Great

Great credit card app easy to use and when you pay the money goes on the next weeking day would recommend this to my friends and family Reviewed on: 21st February 2023

Great card

Great customer service all round . Reviewed on: 21st February 2023

Best credit card

Zopa I the best credit card I have ever had. Any payments that you make appear on your card straight away, you don’t have to wait 2 days for your payment to clear . The app also tells you everything that you need to know . Reviewed on: 21st February 2023

easy and controllable

I got a Zopa card after looking online and seeing the benefits. its a really easy App to use on my phone to keep an eye on my spending. 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

Clear Rate Platinum Credit Card
from NatWest 3.98 from 21 reviews
Premier Credit Card
from HSBC 4.12 from 20 reviews
Credit cards
from Virgin Money 3.72 from 817 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