Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44349 reviews)

View other Zopa products

4.87

Based on 44,349 reviews, last reviewed 21st 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

Excellent credit card I didn’t have any problems Excellent credit card I didn’t have any problems Reviewed on: 21st 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 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 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 (44349)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

Simple to use there banking app.

Simple to use there banking app. Any issues regarding potential fraud dealt with issue quickly and easily. Credit applied not enforced or outside you income. Reviewed on: 10th January 2024

Zopa is excellent and I wouldn’t change.

Zopa is excellent and I wouldn’t change. Reviewed on: 10th January 2024

Ideal card for your needs

Great card for me who’s credit rating wasn’t perfect Reviewed on: 10th January 2024

nothing but great things easy application amd simple...

nothing but great things easy application amd simple affordable repayments Reviewed on: 10th January 2024

I'm taxi driver and I like what I doing.

I'm taxi driver and I like what I doing. Thank you Reviewed on: 10th January 2024

Never had any problems brilliant service definitely...

Never had any problems brilliant service definitely recommend to anyone Reviewed on: 10th January 2024

I have a credit card from Zopa

I have a credit card from Zopa and so far I'm very satisfied with the product and the support. The app is very easy to use and provides most of the information needed. A while ago I've forgotten my pin number and I've received all de help needed to find it out and to be able to change it to something that is easier to remember for me. Reviewed on: 10th January 2024

Interest rate good compare to other credit cards.

Interest rate good compare to other credit cards. Reviewed on: 10th January 2024

I have had only positive experiences with zopa

I have had only positive experiences with zopa Reviewed on: 10th January 2024

Very easy to use and great app

Very easy to use and great app giving you total control. Reviewed on: 10th January 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

Platinum Purchase Card
from TSB 3.52 from 8 reviews
Premier Credit Card
from HSBC 4.12 from 20 reviews
Platinum Cashback Credit Card
from American Express 4.34 from 71 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