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 44,349 reviews, last reviewed 21st 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

Excellent credit card I didn’t have any problems Excellent credit card I didn’t have any problems Reviewed on: 21st 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 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 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)

brilliant

nothing but brilliant, allways helpful, the app is so easy to use Reviewed on: 11th April 2023

Zopa card

Excellent service and excellent service would recommend Reviewed on: 11th April 2023

Zopa

Very easy to apply for great customer support if and when needed Always kept upto date with everything Well pleased to say the least Reviewed on: 11th April 2023

Excellent!

The app is brilliant, well set out, clear and easy to use, my whole experience, from application to now has been great! Reviewed on: 11th April 2023

Loan and then credit card

I had a loan with ZOPA which was completed in as little as an hour. Through the App which was easy to follow and understand, I’ve now paid my loan off with a good interest %. I now just have a credit card with ZOPA with nearly 5 times the amount I can receive of other competitors. Again easy to use through the App. Also they keep track of my credit score and keep it easy to see any other services they can offer me aswell as advice. Highly recommend Zopa Reviewed on: 11th April 2023

Easy to use

Easy app to use. Clear and easy to read terms and conditions. Reviewed on: 11th April 2023

Well presented

Always there to help at customer services Reviewed on: 11th April 2023

Fantastic

All app based and regular emails and notifications regarding services Reviewed on: 11th April 2023

Credit card

Good service just slightly high interest Reviewed on: 11th April 2023

Easy to manage and great value

Having a bad credit rating has always hindered me, but Zopa offer a great rate even with poor credit. They gave me a good starting credit limit to easily manage and the low monthly repayments aided me to really manage my card well to the point where I have just had a credit limit increase. 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

Clear Rate Platinum Credit Card
from NatWest 3.98 from 21 reviews
Clubcard credit cards
from Tesco Bank 3.89 from 346 reviews
Credit card
from Zable 4.82 from 123698 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