Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

View other Zopa products

4.87

Based on 44,348 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Decent app-managed card, support needs to catch up A solid card for building your credit profile, managed entirely through the app which suits me. The one area that needs work is customer support — res... Read more Reviewed on: 25th June 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 Write a 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.

Review Zopa: Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

Awards

Best credit card provider 2025

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

Zopa Credit card reviews (44348)

The Best!

Zopa has changed my life. It has helped when others turned away from my hour of need. Reviewed on: 11th April 2023

great credit card

love the services, recommended :) Reviewed on: 11th April 2023

Transparent

A very transparent and informative company, easy to use with great online facilities along with a simple and easy to use app. Reviewed on: 11th April 2023

Marvellous

Great company easy to deal with app is excellent Reviewed on: 11th April 2023

Great

Decent,easy to use and fair rates Reviewed on: 11th April 2023

Excellent company

Zopa have been good to me, the company have helped me keep on track with my repayments and in turn help build my credit. A+ to Zopa. Reviewed on: 11th April 2023

Credit card

The best credit card I've ever had. Nice thing is when you pay money in,it clears straight away, none of this waiting 3days for funds to clear. Well done zopa. Reviewed on: 11th April 2023

Total confidence

Amazing servive, Unbelievable. Just a great company to deal with Reviewed on: 11th April 2023

Excellent company to deal with

Have credit card with Zopa and have had plain sailing with every aspect. Delivery of card was prompt, payments are easy to manage on the app. Just a pleasure to deal with Reviewed on: 11th April 2023

Very good terms

Keep me updated on spend Best credit card to have APR is reasonable 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

Platinum Cashback Credit Card
from American Express 4.35 from 70 reviews
Balance Transfer Credit Card
from Bank of Scotland 4.08 from 13 reviews
123 credit card (discontinued)
from Santander 4.17 from 162 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69091 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Cash ISA
from Zopa 4.84 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