Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43506 reviews)

View other Zopa products

4.94

Based on 43,506 reviews, last reviewed 11th Apr 2026

156350% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Fair interest rate and credit limits Their credit card is great to use with fair interest rates and credit limits. Having this helped me get access to other products. Easy to use app Reviewed on: 11th April 2026

Latest lowest rating:

1

Schizophrenic lunatics I was unemployed last year for 5 months. I agreed a £25 per month payment plan with Zopa which was good at the time and should have ended in March 202... Read more Reviewed on: 9th 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 (43506)

Delighted with my credit card

Easy to take out credit card and transfer balance from another card. Simple to manage account with App Reviewed on: 21st February 2023

Excellent

Had no problems using the zopa credit card! It’s a great way to improve your credit score as well - would recommend Reviewed on: 21st February 2023

I'd highly recommend Zopa to my friends and family. :)

I have a £500 credit card that I use in case of an emergency. The card has been quickly delivered and the app is very easy to use. :) Reviewed on: 21st February 2023

Great company and quick service

They have been very good at communication and helpful in handling my finances. Reviewed on: 21st February 2023

Exceptional

The app is simple to navigate and allows me to control my money easily and from anywhere The security is second to none and gives me the confidence to use the app anywhere. Reviewed on: 21st February 2023

Great bank

The best credit card company for me. I would recommend to anyone because of the great rates Reviewed on: 21st February 2023

Convenient & Communicated

Great experience with Zopa, application is very simple & clear and communication from Zopa themselves is considered and engaging. Reviewed on: 21st February 2023

Easy, reliable and all round good card!

Have been with Zopa a while now and never had any problems at all! Easy app to use and navigate! Would continue to use them! Reviewed on: 21st February 2023

Fantastic

Easy to use app very informative and useful to use. Incredibly easy to keep track of your spending Reviewed on: 21st February 2023

Great service

Create credit card easy to use app and the initial application process was smooth and quick. 5 Stars I would highly recommend. 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

Clear Rate Platinum Credit Card
from NatWest 4.51 from 18 reviews
Clarity credit card
from Halifax 4.22 from 266 reviews
Charge Card
from American Express 4.05 from 24 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1539 reviews
Current account
from Zopa 4.94 from 5954 reviews
Personal loan
from Zopa 4.94 from 68054 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