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:

Friendly reliable

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

Amazing credit company

Low rate fees, customer service amazing, highly recommend Reviewed on: 21st February 2023

Great company!

Excellent service and very easy process. Would recommend the app also as helps with tracking Reviewed on: 21st February 2023

5 Star Company

Zopa really are a five star company to communicate with and I have always had the best customer experience with them. I would one hundred percent recommend them to family and friends as I have always had an amazing experience using them. Reviewed on: 21st February 2023

Simple & Easy

No faults found. Not alot more yo say. Reviewed on: 21st February 2023

Exceptional service

I have had my Zopa card now for around 2 years. My credit score was very low during my application but it did not stop Zopa helping me to increase this very quickly whilst using their credit card. The card itself comes with a set balance that you can’t exceed so you don’t fall victim to rediculous charges like other providers, which I unfortunatly have in the past. From very friendly on the phone service to an also very user friendly interface on the app, I have and always would recommend using Zopa for any of your credit card/loan needs as I haven’t looked back since starting! Reviewed on: 21st February 2023

Best service

The customer service is excellent and the credit card facility is great for day to day use. Reviewed on: 21st February 2023

A card that provides a little help

Zopa offered me a card with a small credit limit of £200 when no other company would. The ability to have a credit cushion is a great idea. Prevents overspending and ensures there is alway some credit left for emergencies. Reviewed on: 21st February 2023

Amazing

So easy and simple to use. Very quick to set up and it’s all in the app Reviewed on: 21st February 2023

Very satisfied with the service

It’s been a positive experience, I’d recommend to my friends and family as I am very happy with the service Zopa has given me. Reviewed on: 21st February 2023

Excellent

Great for building credit when you have not do good credit history 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 builder card
from thimbl. 4.41 from 18 reviews
Clubcard credit cards
from Tesco Bank 3.97 from 349 reviews
Charge Card
from American Express 4.20 from 24 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