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)

Good service

Very good customer service and very easy to use Reviewed on: 21st February 2023

Best credit card ever

I have A couple of credit cards, but the best one on the market is Zopa. I’ve been with Zopa now for a year or so and not only do they do credit cards but they also do personal loans if you qualify or eligible. But I would recommend this credit card to anyone and everyone and even my friends and family. You won’t be disappointed with Zopa. Reviewed on: 21st February 2023

Simple, effective, excellent, Zopa

This company is light years ahead of its competition. They really are here for your every need. Amazing customer service Reviewed on: 21st February 2023

Highly recommended

Excellent credit card. With a descent limit. Also a really good app too … Reviewed on: 21st February 2023

Amazing credit card.

Exceptional service from the staff to the easiness of the app to register your card an check your account. Highly recommended. So for the best service make sure its ZOPA the future of credit cards. Reviewed on: 21st February 2023

Recommend definitely. Great service

A good card to have . Easy phone app to use. Great service Reviewed on: 21st February 2023

Low interest rate

This is the only credit card company I came across have the lowest interest rate. Reviewed on: 21st February 2023

Helping

Zopa has helped me when in a tight spot and is helping to rescue my credit rating. Reviewed on: 21st February 2023

Very good

No problems as other cards have,very good service Reviewed on: 21st February 2023

Amazing app &company

Found this helpful to rebuild my credit whilslt not overspending 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

Gold Credit Card
from American Express 4.51 from 25 reviews
Credit card
from The Co-operative Bank 3.54 from 37 reviews
Balance Plus (discontinued)
from Capital One 4.20 from 4 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