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)

From application to receiving card all questions ans...

From application to receiving card all questions answered quickly and explained easily Reviewed on: 9th April 2024

Correct always helping warning beforepay day

Correct always helping warning beforepay day Reviewed on: 9th April 2024

Great utility great service easy to use

Great utility great service easy to use Reviewed on: 9th April 2024

I had a bad credit rating but Zopa gave me a credit...

I had a bad credit rating but Zopa gave me a credit card with manageable limits to help me start to rebuild my rating, Reviewed on: 9th April 2024

Great card, easy to understand and pay

Great card, easy to understand and pay Reviewed on: 9th April 2024

Never had an issue throughout time with them and alw...

Never had an issue throughout time with them and always found it easy to understand where I am with my credit card at any time with their app. Reviewed on: 9th April 2024

Credit builder 5*

Helped me rebuild my credit score Reviewed on: 9th April 2024

Clear communication from Zopa by email and through t...

Clear communication from Zopa by email and through the Zopa app Reviewed on: 9th April 2024

Excellent service.

Excellent service. Best customer service. Easy to use. Reviewed on: 9th April 2024

5 star customer service

Customer service always first class any issues sorted out super fast Reviewed on: 9th April 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

American Express Credit Card
from American Express 3.27 from 107 reviews
Classic Credit Card
from Bank of Ireland 4.04 from 6 reviews
Zero Credit Card
from Santander 4.26 from 21 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