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)

Fast and easy

Easy to apply and easy to use . Reviewed on: 21st February 2023

Good to use the Zopa credit card

Best credit card ever. Easy to apply and overall it’s good. Reviewed on: 21st February 2023

Such ace credit card

It's so good easy to use easy to pay. Good interest rate Reviewed on: 21st February 2023

Great credit builder

My credit score is a little sketchy based on an issue I had, out of my control, a few years ago. I’ve struggled to get back on top of things but Zopa offered me a card without hassle and my score is already on the up. So much so that I’ve found it a lot easier to get credit where needed (I’m a lot more cautious these days). The application was amazingly straight forward and the app makes payments and tracking spends so easy. Reviewed on: 21st February 2023

Very help for people need improve credit score

Was very good in the time that I need help Reviewed on: 21st February 2023

Credit Card Zopa

I’ve got the credit card that I’m happy with, Zopa is a company that probably gives you the that financial help that you need quick and easy. The app is good so I’m very happy being Zopa credit card holder and their client. Reviewed on: 21st February 2023

Helped me build credit score

Great card, app works as it should, regular update emails and helped me build my credit score. Thanks Reviewed on: 21st February 2023

Easy peasy Zopa was breezy !

Easiest application to it landing on my doormat ever ! Love it ! Reviewed on: 21st February 2023

Easy to use Credit Card

Application very easy, great app with all the information you need to manage your finances effectively. Reviewed on: 21st February 2023

Super Credit Card

Friendly, helpful, amazing. Thanks 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 Extra Card (discontinued)
from Capital One 4.08 from 6 reviews
Opus Credit Card
from NewDay 4.04 from 3 reviews
Platinum credit cards
from Barclaycard 4.03 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
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