Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

View other Zopa products

4.87

Based on 44,347 reviews, last reviewed 12th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Upon applying for a credit card with Zopa. Upon applying for a credit card with Zopa. I was able to navigate around the website easily to apply for a credit card. Reviewed on: 12th 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 (44347)

Easy control of account

Fantastic customer service easy to keep spending under control . The app has everything needed to make life easier Reviewed on: 11th April 2023

Superb

Zopa accepted me when others declined and not with a bad interest rate too, credit limit wasn't too high which was good so repayments were easy, also after a few months had the option to transfer balance from other cards for a lower interest rate. Reviewed on: 11th April 2023

Service

Zopa offer a wide range of services to make sure you keep to your balance, so you never go over. Safety cap Reviewed on: 11th April 2023

A good reliable company

Never had any problems and the fact that you can do most things buy phone helps Reviewed on: 11th April 2023

Vote for zopa

They r very helpful and you know where you r with them Reviewed on: 11th April 2023

Great credit card

Fantastic company, and great credit card, helped me when I needed it most , and the app is super easy totally recommend x Reviewed on: 11th April 2023

Easy online application

Easy online application process and being able to manage everything in the simple app; check balance, pay bills, etc. Instant eligibility check with no impact to credit score. Reviewed on: 11th April 2023

No fuss credit card

When I received my credit card and could do everything I needed by their easy to use app it was a game changer for me as I’m not great at waiting on the telephone . Really easy to use and I can see my balance very easily Reviewed on: 11th April 2023

Convenient and responsible

I have a low limit and it’s very handy for unexpected emergencies! Nice customer service too Reviewed on: 11th April 2023

Excellent service and great app

The products are easy to apply for and helpful tips. The app is easy to use and regular updates 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

Student Credit Card
from NatWest 4.19 from 6 reviews
Credit card
from first direct 4.26 from 27 reviews
Black Diamond Visa
from Vanquis 4.24 from 10 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69090 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