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

Best

Confident,really best,easy to apply and very helpful. Reviewed on: 11th April 2023

The best choice for a poor credit rating!

Everything about Zopa is great including their easy to use app & the APR rates are better than most other cards when you have a bad credit rating. Reviewed on: 11th April 2023

Regardless of credit rating

Zopa has been great! Good app, easy and clear to use, manage your card, transactions and make payments. Low interest rate, even for the not best credit rated clients, like myself! Always touching base with their clients, always there when needed! Thank you! Reviewed on: 11th April 2023

Absolute trash of a company

If I could vote 0 I would.selfish company once I clear my credit card with them I’m out Reviewed on: 11th April 2023

Very helpful

I have found Zopa to be very helpful and not pushy and if I have had a problem making a payment they were very understanding and quick to help Reviewed on: 11th April 2023

Recommended and will recommend

Excellent communication and service provided. Reviewed on: 11th April 2023

Fantastic Credit Card Provider

Not only do they offer brilliant customer service, but they have an easy app to use which makes using my credit card so much easier and I can keep a track on my spending. Best provider out there! Reviewed on: 11th April 2023

Zopa

I would like to vote for Zopa,for they explain everything to do with Banking and how to use a credit card rightly.I have never come away from talking to them with out thinking they have misled me. Reviewed on: 11th April 2023

10 star I recommend Zopa to friends and family

They easy to use and easy to use their online app Reviewed on: 11th April 2023

Excellent card

Great card with good perks especially the credit performance and actions feature 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 card (discontinued)
from Tandem 4.65 from 358 reviews
Platinum Cashback Credit Card
from American Express 4.34 from 71 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