Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44350 reviews)

View other Zopa products

4.87

Based on 44,350 reviews, last reviewed 22nd Jul 2026

99% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

very nice service i like zopa all service i love zop... very nice service i like zopa all service i love zopa bank and very quick any problem slow great work i refer to my friends Reviewed on: 22nd July 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 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 banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

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

Zopa Credit card reviews (44350)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

Great service

Service is fantastic, the app is intuitive and user friendly. I have no problem recommending Zopa to anyone! Reviewed on: 11th April 2023

Simple and efficient

From opening the account to accessing the app to make check or make payments, my experience with zopa has been faultless Reviewed on: 11th April 2023

Simple and great service

Nice and easy service very recommended to all Reviewed on: 11th April 2023

easy app

So easy to manage your finances with the APP Reviewed on: 11th April 2023

Fabulous

They been fabulous they don’t keep putting up how much your aloud to Borrow like other cards do and because of that it’s kept manageable Reviewed on: 11th April 2023

Very good service

This is the best credit card I ever have in life Reviewed on: 11th April 2023

Fair deal

They are really fair to deal with Reviewed on: 11th April 2023

Easy to apply and fast reply

Not the best credit score but Zopa gave me a chance Reviewed on: 11th April 2023

Great app easy to use

Not had any issues. Always use he app as easy to navigate Reviewed on: 11th April 2023

Rapid Response Credit Card

Immediate positive decision 3 Days later, my card arrives App is great 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

123 credit card (discontinued)
from Santander 4.22 from 162 reviews
Cashback Plus Credit Card
from NatWest 4.50 from 68 reviews
Gold Credit Card
from American Express 4.51 from 25 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69089 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Cash ISA
from Zopa 4.83 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