Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43485 reviews)

View other Zopa products

4.94

Based on 43,485 reviews, last reviewed 16th Mar 2026

155350% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Great for spending. Great for spending. Helpful. Good for low credit score to get a card. Easy to use. Good working app. Good repayments. Would definitely recommend to ot... Read more Reviewed on: 16th March 2026

Latest lowest rating:

1

Excellent my credit was not good zopa gave a credit... Excellent my credit was not good zopa gave a credit card Reviewed on: 6th March 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 credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (43485)

Review of the Zopa, Credit card:

I've found zopa incredibly helpful all the time

I've found zopa incredibly helpful all the time Reviewed on: 17th April 2025

Excellent

Exvellent reloable value for money Reviewed on: 15th January 2026

Top class

Excellent service every time I’ve needed to talk. Reviewed on: 15th January 2026

Zopa family

I have received nothing but 100% professionalism from Zopa staff who are very knowledgeable about their products Reviewed on: 15th January 2026

Top credit card

Amazing card and bank best one what I had Reviewed on: 15th January 2026

Sensible credit limit.

Sensible credit limit. Polite reminders about payments. Reviewed on: 15th January 2026

Had to ask a question got immediate response and res...

Had to ask a question got immediate response and result Reviewed on: 15th January 2026

Easy to use, very simple, best card i have had, app...

Easy to use, very simple, best card i have had, app very simple and quick Reviewed on: 15th January 2026

Amazing company to use easy app would rate him to an...

Amazing company to use easy app would rate him to anybody 10 out of 10 Reviewed on: 15th January 2026

The Zopa card is very good but there is one drawback...

The Zopa card is very good but there is one drawback - it cannot be added to Apple Pay. Reviewed on: 15th January 2026

Simply a great experience

Hadn’t used customer services so top score was based on the whole infrastructure that Zopa have. All credit card providers should follow their lead as the set up was flawless and the app is so simple and intuitive Reviewed on: 15th January 2026

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

123 credit card (discontinued)
from Santander 3.96 from 161 reviews
American Express Credit Card
from American Express 3.16 from 101 reviews
Purchase Credit Card
from Bank of Scotland 4.53 from 10 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1538 reviews
Current account
from Zopa 4.94 from 5946 reviews
Smart Saver
from Zopa 4.94 from 8044 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