Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43480 reviews)

View other Zopa products

4.94

Based on 43,480 reviews, last reviewed 14th Mar 2026

155100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Great company Great company give you a second chance even if you have poor credit Reviewed on: 14th March 2026

Latest lowest rating:

1

Excellent my credit was not good zopa gave a credit... Excellent my credit was not good zopa gave a credit card Reviewed on: 6th March 2026

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

Best credit card provider 2025

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

Zopa Credit card reviews (43480)

Review of the Zopa, Credit card:

I've found zopa incredibly helpful all the time

I've found zopa incredibly helpful all the time Reviewed on: 17th April 2025

all good thank you and very helpful about all my...

all good thank you and very helpful about all my needs Reviewed on: 21st January 2026

The rates are very competitive, the app is very easy...

The rates are very competitive, the app is very easy to use and self explanatory Reviewed on: 20th January 2026

Building my credit score

I have this credit card to help build my credit score and i'm very happy as this has had a massive impact. Reviewed on: 20th January 2026

Zoopa helped me build my credit by giving me sma...

Zoopa helped me build my credit by giving me small balance a very good interest rate and rewarding me by increasing limit with sensible use I would recommend zoopa to anyone who like me has had financial stuggles but is trying to re build Reviewed on: 20th January 2026

Not long winded to make a payment also easy and stra...

Not long winded to make a payment also easy and straightforward to make a payment Reviewed on: 20th January 2026

It would be a lot better if I could ring you as your...

It would be a lot better if I could ring you as your website can be difficult to navigate with Reviewed on: 20th January 2026

Fast to make payments.

Fast to make payments. Very good. Reviewed on: 20th January 2026

Excellent

Very helpful and professional, I had my card compromised and they dealt with very fast and efficient Reviewed on: 19th January 2026

So easy to use & clear statements.

So easy to use & clear statements. .customer service excellent. Reviewed on: 19th January 2026

Never had an issue with Zopa.

Never had an issue with Zopa. Even when I have had a bad month and struggld, there is always someone to help me work things out Reviewed on: 19th 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

Credit card
from Jaja Finance 1.36 from 144 reviews
Choice Rewards Credit Card
from Lloyds Bank 4.03 from 13 reviews
Black Diamond Visa
from Vanquis 4.79 from 9 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1535 reviews
Current account
from Zopa 4.94 from 5945 reviews
Smart Saver
from Zopa 4.94 from 8042 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