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

Credit card

Easy to apply and the app is really informative and straightforward. Helpful credit report info and updates too. Reviewed on: 11th April 2023

Quick, easy and simple

Zopa has been nothing but a great company to put my trust in. When a slight issue came up on my own part with an address change, they were polite, quick and very helpful in getting this resolved. I’ve had nothing but great experiences with them from the helpful emails and notifications about my account and a quick payment system. Truly a wonderful company that I would recommend highly and are very deserving of being the best bank. Reviewed on: 11th April 2023

Zopa is the best credit card I've ever had.

Zopa approved my credit card application and in no time i had my card with the funds available in it. Their app is easy to use. I'll recommend everyone who is looking for a great credit card to try and turn to Zopa. They are the best. Reviewed on: 11th April 2023

Card was fast, easy and arrived on time

Time to to time review, got my card quickly and fast. It was delivered before date. If you’re looking for a card to start, I’ll recommend Zopa Reviewed on: 11th April 2023

Easy and affordable control

Have been a member now for a few months and find the ease of access and control in the app helping you to review my finances and pay back with instant updates..the support through the app is also second to none well done zopa excellent peoduct Reviewed on: 11th April 2023

best card ever

very easy to use app with plenty of good reminders. Reviewed on: 11th April 2023

Gives you a 2nd chance

Really great full of the company giving me the chance to build my credit rating when most other companies decline your application..credit card very handy if you watch your spending Reviewed on: 11th April 2023

Great service when I applied for credit card

I was very pleased to have a credit card on the first attempt Reviewed on: 11th April 2023

Easy to use card

The zopa card and app are very easy to use,good communication and frequent updates about your account,would easily recommend Reviewed on: 11th April 2023

Simple but effective card

The app works perfectly, unlike other cards interest APR easy to find, payments into the credit card are pretty much instant so if your a little short of using the card you can add money and use it nearly instantly. Easiest card I have 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

Flexicard
from Halifax 3.70 from 7 reviews
Credit Builder
from Chime 0.00 from 0 reviews
Credit card
from Jaja Finance 4.72 from 2531 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