Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44350 reviews)

View other Zopa products

4.87

Based on 44,350 reviews, last reviewed 22nd Jul 2026

99% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

very nice service i like zopa all service i love zop... very nice service i like zopa all service i love zopa bank and very quick any problem slow great work i refer to my friends Reviewed on: 22nd July 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 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 (44350)

Really good for the way you can use your card...

Really good for the way you can use your card Reviewed on: 15th January 2025

Moving on up with Zopa

Found my Zopa card to be invaluable since I got it. Brilliant way to help spread my costs over the festive period and help out with day to day costs. Especially nearer the end of the month. It’s also a great way to get my credit score moving in the right direction after taking a hit a few years back due to illness. Would definitely recommend. Reviewed on: 15th January 2025

Always done right by me

Always done right by me makes sure i don't run before i can walk Reviewed on: 15th January 2025

experience so far it has been excellent

experience so far it has been excellent Reviewed on: 15th January 2025

Excellent!

It is a very good card with a good protection and amazing customer service. Reviewed on: 15th January 2025

Applying for the Zopa card was simple and successful...

Applying for the Zopa card was simple and successful application was decided quickly. There were no difficult questions and there was plenty of help along the way. The identity check to prevent money laundering and fraud was also explained well. Reviewed on: 15th January 2025

Extremely happy with Zopa

Zopa cards have an excellent rate of interest, and the app is extremely easy to use. The app is very useful for keeping track of my credit score and info on how to build better credit Reviewed on: 15th January 2025

Bad credit score help

I had bad credit score, zopa help me when others wouldn’t, my credit score is looking quite healthy. Reviewed on: 15th January 2025

my experience.

I think the zapa is very good when you need that extra help Reviewed on: 15th January 2025

An excellent choice 5 star

Always been brilliant since I have had a card with them. Reviewed on: 15th January 2025

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

Credit builder card
from thimbl. 4.41 from 18 reviews
Credit card
from Jaja Finance 4.72 from 2531 reviews
American Express Credit Card
from American Express 3.80 from 120 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