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

Easy, simple service

Easy to apply, easy to use app and easy to manage credit card. All in all great product Reviewed on: 21st February 2023

Rebuilding credit

Used to rebuild credit after trust deed Reviewed on: 21st February 2023

Easy to use and just great

Had my card for a few months and the app is so easy to use and so easy to pay off and use. Highly recommend. Reviewed on: 21st February 2023

I would recommend zopa to anyone. It is really good and customer service is great!

I have had no problems with zopa, really worth getting and recommending to others Reviewed on: 21st February 2023

Helped me get back on track

I've found Zopa really helpful to get my finances back on track. The customer service team are friendly and helpful. Would definitely recommend Reviewed on: 21st February 2023

Fantastic

Great communication and understanding Reviewed on: 21st February 2023

Great credit provider

A great provider with great rates ! Reviewed on: 21st February 2023

Amazing experience

Has on of the best easily accessible crowfoot cards I’ve ever used very useful to manage. Reviewed on: 21st February 2023

Needs a lot of improvement

Poor customer service and low credit limit takes a long time for increases Reviewed on: 21st February 2023

Credit Card application.

So straight forward to order a card and furthermore a very sensible credit limit. The App works great as well being able to keep an easy eye on my balance at all times along with paying the monthly payment. All very easy to use. 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 card (discontinued)
from Metro Bank 4.71 from 880 reviews
Platinum Purchase Card
from TSB 3.52 from 8 reviews
Cashback credit card
from Lloyds Bank 4.24 from 26 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
Current account
from Zopa 4.83 from 6600 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