Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44343 reviews)

View other Zopa products

4.94

Based on 44,343 reviews, last reviewed 13th May 2026

35% increase in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Has been very positive not had any issues with my ca... Has been very positive not had any issues with my card or account Reviewed on: 13th May 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 credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44343)

Helped build credit

I recently moved back to the UK after living abroad for over 30 years, hence my credit score was non existent and most companies refused to offer me a card until I have been in the UK for at least 3 years. Zopa offered me a card with a low credit amount at first but have gradually upgraded that and this has helped me build my credit score. There app is very easy to use. Reviewed on: 23rd February 2023

Good company

Good app on the phone. Easy to understand and deal with. Reviewed on: 23rd February 2023

Excellent customer service

Really good balance transfer option and great customer service Reviewed on: 23rd February 2023

fantastic!

really helpful team with very friendly and understanding staff, would 100% recommend this company Reviewed on: 23rd February 2023

Great Service and straightforward credit

Zopa always gives me great service and the app along with there website is straightforward and easy to use. They make taking credit straight forward and easy going. Reviewed on: 23rd February 2023

Excellent service

Never had any trouble or problem with Zopa Reviewed on: 23rd February 2023

Amazing

Amazing service!!!!! Would recommend to everyone Reviewed on: 23rd February 2023

Excellent

Very happy with Zopa, never disappointed Reviewed on: 23rd February 2023

First rate service

My experience with Zopa has been excellent from the start. The app is excellent, the communication is excellent, I just have no complaints. Reviewed on: 23rd February 2023

Best card I have had

Best card I have had ZOPA keep me informed of interest rates, increase in credit and warnings if I am approaching my credit limit The app is very thorough and shows everything I need and is easy to manoeuvre around Reviewed on: 23rd February 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 (discontinued)
from Wave (inactive) 2.82 from 3 reviews
Aqua credit cards
from NewDay 4.89 from 3309 reviews
Credit builder card
from thimbl. 4.92 from 18 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1545 reviews
Personal loan
from Zopa 4.95 from 69082 reviews
Current account
from Zopa 4.93 from 6589 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