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:

Friendly reliable

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

Easy no fuss credit card

Zopa was an easy experience . The overall credit card application was no fuss and the time scale was good. Reviewed on: 12th April 2023

First-class customer services and care.

Extremely accommodating and understanding. Helpful beyond belief. Reviewed on: 12th April 2023

Great bank

Very easy application process, and i am very happy with the Zopa bank app which lets you see all your transactions and remaining balances. I took a balance transfer card and was impressed by how easy it all worked out.also at zero interest for 6 months. Very happy overall. Reviewed on: 12th April 2023

fab

easy to borrow. Reviewed on: 12th April 2023

Brilliant

Amazing rates andeasy to navigate Reviewed on: 12th April 2023

Fantastic service !!

Zopa provide a fantastic straightforward service, well recommended ***** Reviewed on: 12th April 2023

Fantastic card and great for credit building

Fantastic card, easy access to app and ability to manage payments and see balances. No pressure to increase balance, great for credit building. Instant credit top up when payments are made, don't have to wait several days to see this reflected in balance. Reviewed on: 12th April 2023

Excellent

I been using this zopa credit card for a while. It helps me alot to pay my bills on time and also gives me enough time to pay my credit balance on time as well very handy and useful. Reviewed on: 12th April 2023

Brilliant lender, easy to use app

Helped me rebuild my credit score, straightforward , brilliant easy to use apo. A very happy customer Reviewed on: 12th April 2023

Very good

it's a very good card and you can immediately increase the value of the credit, I for one am very satisfied with the card and it's very easy to apply and accept Reviewed on: 12th April 2023

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

Instant pay
from Incredible 4.61 from 28 reviews
Platinum Cashback Credit Card
from American Express 4.34 from 71 reviews
Credit Cards
from Smile Bank 3.84 from 4 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