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

Excellent app quality service easy access and custom...

Excellent app quality service easy access and customer support Reviewed on: 10th January 2024

Excellence is Zopa's aim.

The Zopa customer service is excellent and the mobile phone app is also easy to use. Reviewed on: 10th January 2024

Straightforward clear to understand and to apply for

Straightforward clear to understand and to apply for Reviewed on: 10th January 2024

Great card, which has helped me build my credit score.

Great card, which has helped me build my credit score. Reviewed on: 10th January 2024

Very good nice people easy to use app

Very good nice people easy to use app Reviewed on: 10th January 2024

Outstanding customer service and customer needs

Outstanding customer service, will always look after your needs and make sure you are not spending above your needs. Never had any issues with the card and works in all countries. Reviewed on: 10th January 2024

They have responded to my request promptly and to my...

They have responded to my request promptly and to my satisfaction I am happy with the service they have provided to me Reviewed on: 10th January 2024

The person I spoke too was very nice and friendly.

The person I spoke too was very nice and friendly. Reviewed on: 10th January 2024

They offer a great 0% transfers and extremely helpfu...

They offer a great 0% transfers and extremely helpful customer service . The app is really easy to use . Reviewed on: 10th January 2024

Haven't had the best credit score but zopa have help...

Haven't had the best credit score but zopa have helped me improve it 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

Black Diamond Visa
from Vanquis 4.21 from 10 reviews
Credit card
from HSBC 3.75 from 128 reviews
Partnership credit card
from John Lewis 2.09 from 902 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