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

Smart

My experience has been absolutely fantastic. Ease of application, ease of use, clear information. Reviewed on: 21st February 2023

Zopa loan

Was quick and easy to follow and are always happy to help with any enquiries you may have! Reviewed on: 21st February 2023

Ease at the tip of your fingers

With the ease of the zopa app you can navigate and use the array of features to your benefit Reviewed on: 21st February 2023

Excellent! Great app, easy to manage account.

Have both a credit card and loan with Zopa and find them excellent, have had no problems and would recommend! Reviewed on: 21st February 2023

Easy

Absolutely fantastic company , really helpful when needing to talk to Reviewed on: 21st February 2023

Easy and Friendly

Ease of use, friendly if needed for enquiry. Happy staff too Reviewed on: 21st February 2023

Easy to use

The app is easy to use and understand, it is informative and has useful tips. Reviewed on: 21st February 2023

Great card to build credit

Decided to get a credit card to build my credit score. Was very anxious about this but zopa has made the process simple and easy to follow. I feel secure knowing I'm with a company I can trust. Reviewed on: 21st February 2023

Great and easy to use app

Nice and friendly customer service and useful app. Reviewed on: 21st February 2023

Credit card at its best

Great card , good interest rate Great people to deal with Good start up card for poor credit too 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

Partnership credit card
from John Lewis 2.08 from 904 reviews
Credit Card
from thinkmoney 4.03 from 3 reviews
Platinum credit cards
from Barclaycard 4.04 from 336 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