Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44342 reviews)

View other Zopa products

4.94

Based on 44,342 reviews, last reviewed 10th May 2026

36% 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

Handyman Very handy and easy to use i would recommend this card to anyone Reviewed on: 10th 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 (44342)

Decent

Decent compared to similar cards Reviewed on: 21st February 2023

No hassles

I have found the service and customer experience much better than other credits card providers I have been with previously. Heartily recommended! Reviewed on: 21st February 2023

Nice Card with a good rate.

Every 200£ I spend, I only have to pay back £4 in interest. Which in turn allows me to pay more off every week. Reviewed on: 21st February 2023

Good, recommended

N1, recommended friends........... Reviewed on: 21st February 2023

The best

Fast, simple and easy to use!!!!! Reviewed on: 21st February 2023

Great service

Simple, easy and quick. No nonsense with this company everything is and clear with no hidden catches Reviewed on: 21st February 2023

Zopa

Easy bank app, cushion credit is best that i known when to stop it helps me of not getting to over limit Reviewed on: 21st February 2023

Great company great credit card

Struggled to get a credit card, Zopa gave me a chance great interest rates. Could just do with credit limit looking at and going up more frequently Reviewed on: 21st February 2023

Good

Best service , good team, always ready to help Reviewed on: 21st February 2023

Very good credit company

Very happy with you guys .Will always work with you Reviewed on: 21st 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 cards
from Virgin Money 3.86 from 806 reviews
Avios Rewards Credit Card
from Lloyds Bank 4.00 from 60 reviews
Aqua credit cards
from NewDay 4.89 from 3309 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