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

Makes life easy

Zopa was the first credit card provider which marked me eligible for credit and now my credit score is sky high. Reviewed on: 15th January 2026

Everything always is the best and has very clever de...

Everything always is the best and has very clever decisions Reviewed on: 15th January 2026

Happy with Zopa

Have not had any problems with Zopa at all. Reviewed on: 15th January 2026

friendly advice when asking for help

understand your needs friendly advice when asking for help Reviewed on: 15th January 2026

Very helpful and handy card to have

Very helpful and handy card to have Reviewed on: 15th January 2026

Very easy application good interest rates friendly h...

Very easy application good interest rates friendly helpful customer support Reviewed on: 15th January 2026

Really good credit card, excellent customer service,...

Really good credit card, excellent customer service, and kept well informed, about your account, with tips and suggestions to get the best of your credit card Reviewed on: 15th January 2026

Zopa card

Brilliant easy to use card. Can’t fault this service. Reviewed on: 15th January 2026

Nice easy and very quick service

Nice easy and very quick service Reviewed on: 15th January 2026

The Good and the could do better.

Very good sorting out credit card but after paying off first loan a few months early had to provide numerous payslips or bank statements ?. 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

Credit builder credit card
from Vanquis 4.78 from 19912 reviews
Purchase Credit Card
from Bank of Scotland 4.53 from 10 reviews
Credit builder card
from thimbl. 4.88 from 18 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