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

Highly recommend

If your looking for a good credit card can’t recommend zopa enough. Reviewed on: 11th April 2023

Great service

Great service. There to help when need Reviewed on: 11th April 2023

The no fuss customer focused credit card company

I applied for a card got accepted quickly without fuss or delay the app is brilliant easier to use that other credit card apps. As a customer I feel safe with Zopa. Reviewed on: 11th April 2023

Affordable payments

Easy to use, affordable payments. Regular updates on your borrowing power Reviewed on: 11th April 2023

Great credit cards provider

Very professional comparing to other credit card providers ( Aqua for example). Every time I made a payment into my account, I'm receiving a receipt without asking. The app is very easy to use, also provides a credit score report, which is great for having an overview over how I'm managing my finances. For New Days credit cards (Aqua), they didn't provided a payment receipt even after asking for a proof of my spending, which made me think that Zopa is miles above when speaking about trust, comparing to other credit card providers Reviewed on: 11th April 2023

Excellent service

Without doubt the best provider on the market Reviewed on: 11th April 2023

East to use

Very clear on what charges and easy to use Reviewed on: 11th April 2023

Outstanding Service

Great service provided , easy to use app and great customer service Reviewed on: 11th April 2023

Really good card

Really good card and always updating you for everything via app so very easy to keep a track of things Reviewed on: 11th April 2023

5 star credit providers

Never had an issue with Zopa, very straight forward, easy to reach out to and contact if there’s any issues. Fair prices and loyal to customers 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
Platinum Credit Card
from Lloyds Bank 4.22 from 57 reviews
Balance Transfer Credit Card
from Halifax 4.10 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