Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.93 (41967 reviews)

View other Zopa products

4.93

Based on 41,967 reviews, last reviewed 10th Feb 2026

166500% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Custmer service are excellent and friendly,app is ea... Custmer service are excellent and friendly,app is easy to use and i like the offers they have regarding accounts and savings Reviewed on: 9th February 2026

Latest lowest rating:

1

My credit card has been frozen due to suspicious act... My credit card has been frozen due to suspicious activity, I've checked my statement and nothing looks off, tried to get hold of Zopa all weekend with... Read more Reviewed on: 13th October 2025

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

What is this award?

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (41967)

Review of the Zopa, Credit card:

Zopa Credit Card

Very useful with a friendly use APP. I got it quickly and used it without any problem at shopping. Reviewed on: 28th March 2022

Customer service is very good..

Customer service is very good,however they have no flexibility in dealing with issue.I inform them my payment would be late,due to circumstances ,I can not change,however still charged me £12. Reviewed on: 10th February 2026

Custmer service are excellent and friendly,app is ea...

Custmer service are excellent and friendly,app is easy to use and i like the offers they have regarding accounts and savings Reviewed on: 9th February 2026

Very good service

Very good service, never any need for calling them. Reviewed on: 23rd January 2026

Very good easy access to customer service

Very good app, easily accessible features including balance, upcoming payments and dates. Very helpful customer service. Reviewed on: 23rd January 2026

ZOPA CARD

I applied online they asked me questions for security and to make sure I am who is asking for this credit card in 14 days I received the card had to call in to activate and they explained the process very good Reviewed on: 23rd January 2026

Great card great app to keep track

Got my card and credit limit quickly app is great to keep track of things. Eventually had a loan with them quick and straight forward in account within minutes of applying. Reviewed on: 23rd January 2026

10/10 for your helping

I needed help and the advice I got was quick and helpful and I didn’t have to worry about anything fast and easy to get answers Reviewed on: 23rd January 2026

Great service great customer wish I had only taken t...

Great service great customer wish I had only taken this card out Reviewed on: 23rd January 2026

Great rates, good customer service.

Great rates, good customer service. Zopa are fab all round - credit cards, loans, savings. Cannot fault their financial products at all! Reviewed on: 22nd January 2026

Zopa helped me better my finances with the credit th...

Zopa helped me better my finances with the credit they gave me. Reviewed on: 22nd January 2026

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

Choice Rewards Credit Card
from Lloyds Bank 4.03 from 13 reviews
Credit Card
from Metro Bank 4.86 from 879 reviews
Credit card
from first direct 4.08 from 26 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1454 reviews
Current account
from Zopa 4.94 from 4194 reviews
Smart Saver
from Zopa 4.94 from 7489 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