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

Excellent company and amazing interest rates would highly recommend to anyone

I have love this credit card , and the interest rates. Amazing communication always get reminder email of dates when my payments are ready. Would highly recommend this credit card company. Have really helped me out. Reviewed on: 11th April 2023

Easy and quick to use the app and answering the questions

I am very happy with the company . They are very professional and covered everything that I needed. Reviewed on: 11th April 2023

Great product, easy to manage

Unlike other more well known credit providers Zopa are transparent, open and honest with their customers, along with providing a product which is simple to manage and understand. Reviewed on: 11th April 2023

A provider who cares

The credit cushion feature is great. You can allot a sum of your choosing to not be spent so you never go over your limit. Reviewed on: 11th April 2023

Excellent Service

Not a problem using their credit card service and no charges when used abroad is a big bonus Reviewed on: 11th April 2023

Best credit card

I have tried several cards in the past but have noticed that zopa credit card is the best so far. Love it Reviewed on: 11th April 2023

Very easy app to use and balance shows payments straight away.

Simple to use and very easy to understand transactions Reviewed on: 11th April 2023

Amazing

Great experience easy to get verification and really easy to understand and got my card within days Reviewed on: 11th April 2023

Excellent

Excellent service setting up my credit card Reviewed on: 11th April 2023

Top company

Zopa had faith in me despite my previous history 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 HSBC 3.78 from 128 reviews
Avios Rewards Credit Card
from Lloyds Bank 4.16 from 60 reviews
Classic Extra Card (discontinued)
from Capital One 4.08 from 6 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