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

Help in the most difficult time of life

I found Zopla last year before went to visit my family in my home country, the credit card they allowed me to have paid for a ticket to go see my family after being apart because covid . Since lm back l opened two pots saving accounts. Absolutely love Zopla , it helped me when l need most , that’s what a financial company should do for their customers. Reviewed on: 3rd April 2023

Great card to build up credit

Given me the opportunity to increase my buying power Reviewed on: 3rd April 2023

Very Helpful, Amazing customer service

I had a couple of questions so decided to use the chat in the app. Didn’t have to wait long at all until I received a response. Very helpful and quick at responding! Reviewed on: 3rd April 2023

Service

I like the service of zopa everything is perfect and I would like to recommend to my friends and family. Reviewed on: 3rd April 2023

great product

best credit card so. I like the spend limit feature and usability of the app. Reviewed on: 3rd April 2023

The best

Love Zopa .applied and was accepted.easy to use and just always comes to the rescue when needed.also do the Zopa saving account, which I chose an amount to save every month at my chosen date and when it goes into my account , I get an email letting me know also withdrawing any monies is even more simple.just go on the app click savings and then withdraw which goes back to my chosen account.brilliant!! Reviewed on: 3rd April 2023

Brilliant

Great company to get a credit card from Reviewed on: 3rd April 2023

Very good

They provide good service and I really appreciate good service better than others and straight forward Reviewed on: 3rd April 2023

No fuss credit card company

Really easy to apply for, quick decision and the app is really easy to use Reviewed on: 3rd April 2023

Great card

Great app easy to use never had any issues and the smart saver is great as well Reviewed on: 3rd 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

Initial credit card (discontinued)
from Barclaycard 3.60 from 122 reviews
Balance Plus (discontinued)
from Capital One 4.20 from 4 reviews
Credit card
from Vanquis 4.43 from 599 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 4.83 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