Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.92 (40272 reviews)

View other Zopa products

4.93

Based on 40,272 reviews, last reviewed 7th Dec 2025

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

The best card of uk than other cards The best card of uk than other cards Reviewed on: 7th December 2025

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 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.

Zopa Credit card reviews (40272)

Review of the Zopa, Credit card:

I’ve been using the Zopa credit card for a while now...

I’ve been using the Zopa credit card for a while now, and I must say, it has been a fantastic experience. The standout feature for me is the Zopa mobile app—it’s incredibly intuitive, allowing me to track spending, set payment reminders, and manage my card with ease. Everything is clear and well-organized, making financial management simple even for someone who isn’t tech-savvy. Another huge plus is the customer service. Whenever I’ve had a query, their team has been quick to respond and genuinely helpful, which isn’t always the case with credit card providers. The application process was also fast and hassle-free, with a quick decision and smooth onboarding. The interest rates and fees are competitive, and I love that Zopa offers real-time spending insights to help me stay on top of my finances. However, one area for improvement would be the ability to request credit limit increases, as this currently isn’t an option. Also, at the time of writing, Apple Pay and Google Pay aren’t supported, which would be a great addition for convenience. Overall, if you’re looking for a modern, app-based credit card with great customer support and easy financial tracking, Zopa is a solid choice. I’d highly recommend it to anyone who values a digital-first experience! Reviewed on: 26th March 2025

Thank you

I very like it this Bank. It's beautiful Reviewed on: 7th May 2025

Simple and easy to use, the app is easy to navigate.

Simple and easy to use, the app is easy to navigate. Great for building my credit rating and I've never had any issues using it online or any of the shops I usually use. I would definitely recommend this card to anyone Reviewed on: 5th May 2025

First credit card I had and wouldn’t change for the...

First credit card I had and wouldn’t change for the world Reviewed on: 4th May 2025

Convenient to use

Ideal for me as can but between pay days and pay when get paid dobt miss out on bargains Reviewed on: 3rd May 2025

Credit cards are very great

Great cards , all well end nice looking after you all the time Reviewed on: 30th April 2025

Credit card very good company Thanks

Credit card very good company Thanks Reviewed on: 29th April 2025

Great service.

Great service. User friendly app Reviewed on: 29th April 2025

Reasonable interest rate.

Reasonable interest rate. Good for people with a poor credit score, to help rebuild Reviewed on: 29th April 2025

Good customer service .

Good customer service . Very friendly and polite . Reviewed on: 29th April 2025

I find zopa an excellent credit card.

I find zopa an excellent credit card.excelllent company Reviewed on: 29th April 2025

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

Purchase Credit Card
from Halifax 3.75 from 18 reviews
Everyday Credit Card
from Santander 3.90 from 19 reviews
Classic Credit Card
from Bank of Ireland 2.41 from 5 reviews

Want to see more from Zopa?

Current account
from Zopa 5.00 from 2 reviews
Cash ISA
from Zopa 4.95 from 1262 reviews
Smart Saver
from Zopa 4.94 from 7180 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