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

Cracking Card - Easy Management

really easy to use app, easy firm to deal with Reviewed on: 21st February 2023

Fantastic credit card

Very easy to apply , fantastic customer service , great offers ,good support Reviewed on: 21st February 2023

Good company for all needs

Have to say one of the best credit cards out there no hassel with anything and awesome customer service to add Reviewed on: 21st February 2023

The best of the best

100 % satisfaction wherever you go Reviewed on: 21st February 2023

Fantastic Service and Products

From day one zopa has provided transparency and superb customer service. Reviewed on: 21st February 2023

Very useful

Been good to me, good service. It is handy when running short. Very useful Reviewed on: 21st February 2023

Fantastic card!

I started with low credit limit due to my credit score. But paying my bills on time and finally getting a better score I was able to finally boost my credit limit! (Which didn’t take to long) Paying pack money on the app is really easy too! With only a press of a few buttons it’s quick and easy! Zopa is definitely the card to go for when you need a credit card with a good low apr. Thanks zopa Reviewed on: 21st February 2023

Great credit card.

The credit card was easy to apply for and the credit limit was quite fair given that I had little to no credit history in the UK. Repayments are processed instantly and reports to the credit agencies are accurate and timely. Reviewed on: 21st February 2023

Great interest rate

Interest rates are competitive with other credit cards Reviewed on: 21st February 2023

Great, simple straightforward just like me!

Simple straightforward easy to use app giving total control over your spending. I’ve already recommended to family and friends. 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
from Post Office 3.49 from 116 reviews
Credit card
from HSBC 3.56 from 129 reviews
Credit card
from M&S Bank - Marks and Spencer 3.62 from 208 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