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)

There in hard times

When it’s easy to caught up in the credit file, they took a moment to look at the person behind it. Amazing company start to finish Reviewed on: 11th April 2023

GOOD APR

I have been with zopa for almost a year now and I have never had any problems the APR is low and pay back is affordable. The app has many useful features. I would not use another provider now. Reviewed on: 11th April 2023

Quick process, easy to manage, & friendly

I've been with zopa now for approximately 8 months. I can't fault the service at all. Having had difficulty with credit in the past I was so pleased when I was approved but the good news didn't end there. The app allows me to make repayments & manage my card in one place with no reason to log in online or have to trail through a lot of paper statements (it's very much line an online banking app) There are no charges for overdraft or late repayment (I haven't had to use either of these but knowing they are there are peace of mind) My credit rating has not only jumped up 112 points since using the card & making repayments but also my credit limit was raised after four months of repayments and managing the card well. Absolutely brilliant in all honesty. Reviewed on: 11th April 2023

Easy and straight forward

Great product easy application easy to use straight forward terms and conditions. Reviewed on: 11th April 2023

Excellent service!

Straightforward and easy to use, with a clear app and great communication. Reviewed on: 11th April 2023

Always there when you need them

Always used credit cards over the years These card people are the best no hassle no drama Reviewed on: 11th April 2023

Easy to use app

Great app . Easy to understand. Manageable credit limit Reviewed on: 11th April 2023

Great help with credit rebuild

I have found zopa has help me with managing my cash flow and stay in control. Reviewed on: 11th April 2023

Excellent credit provider

Very easy to use app straight forward always contacted when changes are coming or offers zopa had made it easier for use of my card Reviewed on: 11th April 2023

easier Credit card to use

So easy to use and to built ur credit score as well 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

Cashback Plus Credit Card
from NatWest 4.52 from 67 reviews
Credit Builder
from Chime 0.00 from 0 reviews
Credit card
from 118 118 Money 4.73 from 5641 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 4.84 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