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

Amazing!

Amazing service helped me out. Would be so helpful to win 1000 right now. Reviewed on: 2nd March 2023

Good company. Would recommend

Really would recommend Zopa. My partner had a bit of a tricky credit score so trying to get him in a positive light moving forward i suggested Zopa & he was successful. Im happy they had faith & helped improve his credit score. Would definitely recommend they are a good company Reviewed on: 2nd March 2023

Good and its help to build credit score

Its very easy to apply and arrive super fast . Easy to use and make repayment. And as i using i build up my score .thanks ZOPA Reviewed on: 2nd March 2023

Never had any issues

I’ve never had any issues with my zopa card, I use it then pay monthly balance, it’s easy to chat to them if required. Reviewed on: 2nd March 2023

Zopa

Easy and quick application. Easy use. Nice. Reviewed on: 2nd March 2023

Happy

I applied for a credit card to help my credit score and Zopa hasn’t disappointed Reviewed on: 1st March 2023

Credit card received next day!

Applied for a Zopa credit card at the weekend. Received it on Tuesday. Reviewed on: 1st March 2023

Really good card for building good credit

This card has helped me get my credit score back on track. I would highly recommend Reviewed on: 1st March 2023

Great Credit Card

I took this card out to help with credit score, I’ve had no problems with them at all it’s a good card, if the credit was a bit higher then I could get rid of other cards I have but it proves they are a responsible lenders and they do have a good reputation I’m glad that I was able to come across them. I would recommend using Zopa to all. Reviewed on: 1st March 2023

Easy peasey

Excellent app also easy to set up Reviewed on: 1st March 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

Clubcard credit cards
from Tesco Bank 3.89 from 346 reviews
Balance Transfer Credit Card
from Halifax 4.10 from 64 reviews
Credit card
from Debenhams 4.14 from 15 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