Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44344 reviews)

View other Zopa products

4.87

Based on 44,344 reviews, last reviewed 22nd May 2026

35% increase in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Poor credit, no problem Having poor a poor credit score I struggled to to get credit anywhere, Zopa offered me a lower but reasonable amount credit card to help build my cred... Read more Reviewed on: 22nd May 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 credit card provider 2025

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

Zopa Credit card reviews (44344)

My card was bloked and whit one phone call was sorte...

My card was bloked and whit one phone call was sorted out. Reviewed on: 27th May 2024

Avoid Zopa

Direct debit set up but Zopa will ignore it, try to take payment earlier then agreed direct debit date. You contact Zopa and you are being assured it was a mistake and money will be take at direct debit set up date without receiving missed payment fee. Guess what? Missed payment fee allocated to your account and notice of default left on your account. Reviewed on: 27th May 2024

Excellent customer service.

Excellent customer service. They are available 24hrs even when you are abroad. Reviewed on: 27th May 2024

Easy and user friendly, very welcome

Easy and user friendly, very welcome addition to my financial stability Reviewed on: 24th May 2024

The bank makes the whole process seemless

The bank makes the whole process seemless Reviewed on: 24th May 2024

Great app

Easy to apply and help me out. Had not issue with the process. happy customer Reviewed on: 24th May 2024

Everything made easy.

Easy to apply for, easy to use App. Clear simple language used in all correspondence. Reviewed on: 24th May 2024

Excellent customer service, always helpful

Excellent customer service, always helpful Reviewed on: 23rd May 2024

Zopa has really good rates and offers

Zopa has really good rates and offers and I would recommend anyone interested in getting a credit card to apply with them. Their customer service is brilliant too and its all a very simple process. Reviewed on: 23rd May 2024

Great card , great customer service.

Great card , great customer service. The belive in people and help a.lot. Reviewed on: 23rd May 2024

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

Instant pay
from Incredible 4.61 from 28 reviews
Credit Card
from Shop Direct 4.23 from 6 reviews
Balance Plus
from Capital One 4.07 from 3 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69084 reviews
Fixed term savings account
from Zopa 4.87 from 1793 reviews
Cash ISA
from Zopa 4.84 from 1545 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