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 Write a 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.

Review Zopa: Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

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)

Love the simplicity of it

Been using a zopa credit card for nearly 2 years now and its help me build a great credit rating and the app is so easy to use to manage your account, i am really pleased Reviewed on: 21st February 2023

Highly recomended

Very good experience its easy and convenient to used Reviewed on: 21st February 2023

Great service

Excellent customer service and the best tracking and credit building card I have seen on the market would highly recommend Reviewed on: 21st February 2023

Easy to use

Easy to use and manage payments Reviewed on: 21st February 2023

No issues

Had a card for a few minths no issues no excessive charges or interest Reviewed on: 21st February 2023

Best credit card

Smart,really easy to use.Fair interest and helpful Reviewed on: 21st February 2023

Brilliant

I have never had any issues with Zopa. They are a brilliant credit card provider. Constantly send notifications to let you know where you are at and keep you in the loop. Brilliant security when it comes to ordering online too with no worries Reviewed on: 21st February 2023

So easy to use

So easy to use always keep you updated 9n what you spend and your balance great card Reviewed on: 21st February 2023

Quick and effective

The one thing I do really appreciate is how quickly zopa update and credit your account. Day to day like is a struggle for everyone in this world, but for me personally Zopa make it easier. Thank you. Reviewed on: 21st February 2023

Really good

Good card. Wish I got it sooner. Good on on apr 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

Classic Credit Card
from Bank of Ireland 4.06 from 6 reviews
Freedom Rewards Credit Card
from Barclaycard 3.67 from 63 reviews
Avios Rewards Credit Card
from Lloyds Bank 4.16 from 60 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