Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44349 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 (44349)

Card

Great app easy to use and the company give you plenty of notice when payment is due Reviewed on: 11th April 2023

Easy to setup

Great help from start to finish with the application, Up to date emails and text to let you know how you are doing with the app, 10 out of 10 Reviewed on: 11th April 2023

Excellent

Best card I've ever had no hassle easy payments and the company are always there yo help with any inquiries Reviewed on: 11th April 2023

Perfect for me

Handy credit card, easy to use app! Reviewed on: 11th April 2023

Handy as a back

Have no trouble with this creditcard Reviewed on: 11th April 2023

credit card app & customer service

Zopa have been my go to credit card for some time now, reasonable interest rates, a great app and great service, thank you zopa Reviewed on: 11th April 2023

Extremely good and supporting

I've had and still am having a fantastic experience with zopa Reviewed on: 11th April 2023

Responsible lender

Zopa don't increase my credit limit if they aren't confident I can handle it. This is very different to other lenders and it really helps me to manage my money. Reviewed on: 11th April 2023

Easy to use and amazing service

Really easy with real time updates, a great informative app and hardly any down time compared to some of the others Reviewed on: 11th April 2023

Easy to use

Very easy to apply for an use esp if you forget your pin. Dedo reccommend 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

Credit Card
from thinkmoney 4.03 from 3 reviews
Gold Card
from first direct 4.23 from 9 reviews
Balance Transfer Credit Card
from Halifax 4.06 from 64 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