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

Quick & easy

Very quick & extremely easy to obtain a credit card from Zopa... Reviewed on: 11th April 2023

Best credit card yet

It’s been very easy to navigate through the banking app it’s great with providing information needed to help encourage saving overall really happy with this Reviewed on: 11th April 2023

Service

Helpful customer service and excellent credit service have never had a problem with my transactions Reviewed on: 11th April 2023

Excellent customer service

Zopa is very clear with their terms and conditions of credit card contract. Also sends payment gentle reminder on time Reviewed on: 11th April 2023

Great

Zopa is super very helpful.Thanks Reviewed on: 11th April 2023

Life saver

Helping me to get by in difficult life changing times. The most useful and practical card to have for your day to day life Reviewed on: 11th April 2023

Good Credit-Builder Card

East to apply. Useful App, with features to help build credit score. Reviewed on: 11th April 2023

Interest rates

Great card and reasonable interest rates Reviewed on: 11th April 2023

Very easy to use

I love the Zopa credit card, great for building my credit score and general use. No hassle to set up and has contactless so I’m pleased to use this amazing card. Reviewed on: 11th April 2023

Easy, honest, simple

Does exactly what’s advertised and how it’s supposed to work Reviewed on: 11th 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

Credit card
from PayPal 4.67 from 124 reviews
marbles credit card
from NewDay 4.37 from 543 reviews
Credit Card
from Tymit 4.62 from 155 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