Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44350 reviews)

View other Zopa products

4.87

Based on 44,350 reviews, last reviewed 22nd 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

very nice service i like zopa all service i love zop... very nice service i like zopa all service i love zopa bank and very quick any problem slow great work i refer to my friends Reviewed on: 22nd 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 (44350)

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

Zopa are quick to adjust your account , mos credit c...

Zopa are quick to adjust your account , mos credit cards take too long to update your account . Reviewed on: 10th January 2024

Really sensible credit limits and great app.

Really sensible credit limits and great app. Good contact and advisors when you need them. Reviewed on: 10th January 2024

No problems to deal with swift service when card was...

No problems to deal with swift service when card was lost Reviewed on: 10th January 2024

A good company that help you and watch how you manag...

A good company that help you and watch how you manage your soending Reviewed on: 10th January 2024

The Credit card that you understand

For people that need help rebuilding their credit history look no further than Zopa, it’s really helped me and is very easy to understand and keeps you in control Reviewed on: 10th January 2024

Great customer service.

Very straightforward and great customer service. Always quick updates on spending. I would recommend Zopa. Reviewed on: 10th January 2024

Good card, good app and easy transaction use

Good card, good app and easy transaction use Reviewed on: 10th January 2024

Never had any problems with zopa or using my card...

Never had any problems with zopa or using my card Reviewed on: 10th January 2024

Excellent credit card

I find Zopa credit card excellent as I have complete control and you can put your own limit within your limit so you don’t over spend ,I absolutely love this credit card Reviewed on: 10th January 2024

Zopa is one of the very best credit card authorisati...

Zopa is one of the very best credit card authorisation companies out there. They'll do anything to help you get approved for the credit card that works for you regardless of bad credit score. When a lot of companies rejected to approve a credit card for me in times of needy Zopa accepted me and went ahead defying bad credit to issue me with a credit card and most importantly a good interest rate too. I really appreciate their services in this respect. In times of financial difficulties or bad credit is the right time people need credit car to ease the Financial difficulties there're burden with. I'm really grateful to Zopa credit card team's help and support. 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

Credit card (discontinued)
from Wave (inactive) 3.85 from 3 reviews
Cashback Plus Credit Card
from NatWest 4.50 from 68 reviews
Bip Credit Card
from NewDay 4.79 from 2286 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