Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.93 (41972 reviews)

View other Zopa products

4.93

Based on 41,972 reviews, last reviewed 18th Feb 2026

167000% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Great team and easy to use app. Great team and easy to use app. Super easy to sign up and everything is very straightforward. Reviewed on: 18th February 2026

Latest lowest rating:

1

My credit card has been frozen due to suspicious act... My credit card has been frozen due to suspicious activity, I've checked my statement and nothing looks off, tried to get hold of Zopa all weekend with... Read more Reviewed on: 13th October 2025

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

What is this award?

Best credit card provider 2025

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

Zopa Credit card reviews (41972)

Great card great app to keep track

Got my card and credit limit quickly app is great to keep track of things. Eventually had a loan with them quick and straight forward in account within minutes of applying. Reviewed on: 23rd January 2026

10/10 for your helping

I needed help and the advice I got was quick and helpful and I didn’t have to worry about anything fast and easy to get answers Reviewed on: 23rd January 2026

Great service great customer wish I had only taken t...

Great service great customer wish I had only taken this card out Reviewed on: 23rd January 2026

Great rates, good customer service.

Great rates, good customer service. Zopa are fab all round - credit cards, loans, savings. Cannot fault their financial products at all! Reviewed on: 22nd January 2026

Zopa helped me better my finances with the credit th...

Zopa helped me better my finances with the credit they gave me. Reviewed on: 22nd January 2026

Everything you need and want including an easy app t...

Everything you need and want including an easy app to use Reviewed on: 22nd January 2026

I’m with Zopa over a year and I’m happy with their c...

I’m with Zopa over a year and I’m happy with their charges and Service.Very Reliable Credit card. Reviewed on: 22nd January 2026

It is the best credit card in the world

It is the best credit card in the world Reviewed on: 21st January 2026

Very informative and excellent service.

Very informative on opening an account. Receive regular appropriate communication. I would highly recommend Zopa. Reviewed on: 21st January 2026

Very understanding and app very easy to use

Very understanding and app very easy to use Reviewed on: 21st 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

Classic Extra Card
from Capital One 3.56 from 6 reviews
Credit card
from M&S Bank - Marks and Spencer 2.73 from 188 reviews
Hilton Honors Credit Card
from Barclaycard 4.17 from 11 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1454 reviews
Current account
from Zopa 4.94 from 5530 reviews
Smart Saver
from Zopa 4.94 from 7491 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