Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.86 (44354 reviews)

View other Zopa products

4.86

Based on 44,354 reviews, last reviewed 1st Sep 2026

100% decrease in 5 star reviews

in the past 90 days

50% 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

This is illegal company, they charge about every thi... This is illegal company, they charge about every thing sometimes even for nothing... Government should be enquire about this...I can challenge it's a ... Read more Reviewed on: 1st September 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 (44354)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

Good

Good customer service. Best credit card. Reviewed on: 21st February 2023

Very pleased with card

Am happy how the card is managed Reviewed on: 21st February 2023

Great app and no fuss

Easy to use app, easy payments and total control over spending. Credit cushion also fab feature Reviewed on: 21st February 2023

Great product definitely recommending to others

Really good, quick verification process and service Reviewed on: 21st February 2023

This the best credit card

I used many time,I didn’t get any kind of noise and also give best offer Also I want to say best costumer service Reviewed on: 21st February 2023

Love it

The Zopa app is really simple to use and I have never had an issue with my service since I signed up with the Zopa family. Definitely would recommend Reviewed on: 21st February 2023

Best credit card company

Easiest to manage and best customer service around so this is by far the best credit card Reviewed on: 21st February 2023

Best credit card provider

Best credit card provider and easy to use Reviewed on: 21st February 2023

Excellent

Easy application, easy app , great customer service Reviewed on: 21st February 2023

Does what a lot of credit cards don't

Here's the thing. When you pay your credit card bill it takes most cards 3-4 days to update the payment. Zopa don't - it's paid and shows up immediately. Massive thumbs up for this. 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

Everyday spending credit cards
from Halifax 4.45 from 76 reviews
Chrome Card
from Vanquis 4.08 from 8 reviews
Everyday credit cards
from Lloyds Bank 4.09 from 68 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