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

73% 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 to use

It's so easy to use app. Highly recommended. Reviewed on: 11th April 2023

Excellent credit card for overseas use

I have used the card extensively when travelling and have been very pleased with the overall service I have received. The card has been accepted everywhere, the exchange rates are clear, the no overseas use policy is great and the customer service centre were very helpful and efficient when I contacted them. Overall a very positive experience. Reviewed on: 11th April 2023

Super card

Excellent service, good Apr,easy to use ,app brilliant. Reviewed on: 11th April 2023

Credit card

Brilliant people to deal with great rate no hassle would recommend to all Reviewed on: 11th April 2023

Credit Building

The card is perfect for me to help build my credit score, would recommend it to anyone. Reviewed on: 11th April 2023

Amazing credit card

Ever since I have been given the opportunity to have Zopa credit card, I have never regretted it. Application is very straightforward and with the decision is very quickly. Zopa Application is very easy to understand once you download it on phone. With the help of the App, you can easily monitoring your account and know when are being given any offer like increase in credit limit etc. I will definitely recommend this card to anyone. Reviewed on: 11th April 2023

Noice bank

Very nice bank, always helping improve credit Reviewed on: 11th April 2023

Great service and easy to use

I had bad credit and they helped me build it back up Reviewed on: 11th April 2023

Very good card

Very good card, easy to use app, and also money goes straight back on to card when you make a payment, none of this waiting 2 working days like other cards Reviewed on: 11th April 2023

Best credit card provider

So simple and efficient, I wish every credit card provider cared about their customer's experience as much as Zopa. Good rates and the app is easy to access with a great user interface. Well done Zopa! Setting new standards for the rest of the industry. 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 4.17 from 162 reviews
Purchase credit cards
from MBNA 2.78 from 196 reviews
Chrome Card
from Vanquis 4.08 from 8 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