Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44339 reviews)

View other Zopa products

4.94

Based on 44,339 reviews, last reviewed 26th Apr 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

It is easy to use and quick access It is easy to use and quick access Reviewed on: 26th April 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 (44339)

Easy and fair

Easy and fair, and helpful if in tines of need! Reviewed on: 21st February 2023

Only 1 complaint

Only complaint I have is they rarely offer a credit limit increase Reviewed on: 21st February 2023

Great for building credit

I got this card to start building my credit rating great starter card and an easy to use app i especially like the credit cushion. Reviewed on: 21st February 2023

They just work....and I have confidence !

Great company and easy to navigate apps and online service. Good reminders and responsible lenders. For once I am a genuine happy customer. Reviewed on: 21st February 2023

Great

Great service, regular updates and advice! Reviewed on: 21st February 2023

Amazing to work with and customer service excellent

Easy to apply great customer service always there to help got a loan with no hassle was transferred into my bank with in hours could not fault the company there always there to help you Reviewed on: 21st February 2023

Great company

Great company, whenever I have contacted them they have been helpful. I had a limit increase which was optional after paying well for a good few months Reviewed on: 21st February 2023

GREAT CUSTOMER SERVICES

ALWASY PROVIDED WITH EXCELLENT SRVICE,GREAT COMMUNICATION Reviewed on: 21st February 2023

Brilliant

Fast effective service. Communication is clear and app is easy to use Reviewed on: 21st February 2023

Zopa credit

Fair apr great customer service 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 Smile Bank 3.00 from 4 reviews
Freedom Rewards Credit Card
from Barclaycard 3.90 from 61 reviews
Credit Builder
from Chime 0.00 from 0 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1545 reviews
Personal loan
from Zopa 4.95 from 69081 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