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 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 (44354)

Amazing service, reliable, quick and great customer service

I have had zopa credit card for a while now and have found the whole bank/ online bank so simple and easy to use, definitely good for me as i'm a beginner credit card user . the customer service is great and always get back to me very quickly. Reviewed on: 21st February 2023

Easy to use, not expensive

Had no issues, everything is smooth. Reviewed on: 21st February 2023

I've already recommended them to friends and family.

Zopa is very simple to use with reasonable rates, their app helps me keep track of my spending and set a buffer so I don't spend too much. Really helps me to manage my card. Reviewed on: 21st February 2023

Great tailored rates

Great app, easy to use and good rates Reviewed on: 21st February 2023

Great service

Great service. Easy to use and website is good also Reviewed on: 21st February 2023

Fantastic company

Zopa have been great, their interest rates are so reasonable and I get to pick my direct debit amount which I'm comfortable with. I like that I get alerts on how much my balance is so I can keep an eye on spending and they make payments really simple. The app is really easy to navigate as well which makes it nicer to see all of Zopas offers. Reviewed on: 21st February 2023

Positive experience.

Never had an issue with my Credit Card, few times I've needed support they've been extremely quick to respond and resolve the issue. No complaints, happy customer! Reviewed on: 21st February 2023

Very very good

Zopa is a very good card, when other cards won't believe me he was the first I really like being part of this team Reviewed on: 21st February 2023

Good experience

Very good experience and nice product to start with building credit score Reviewed on: 21st February 2023

Easy

Easy to navigate and keep track of your credit score and spend 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

All in One Credit Card
from Santander 4.39 from 24 reviews
Avios Credit Card
from TSB 3.50 from 20 reviews
Platinum Purchase Card
from TSB 3.52 from 8 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