Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43503 reviews)

View other Zopa products

4.94

Based on 43,503 reviews, last reviewed 30th Mar 2026

156250% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Excellent online service, resolved all issue through... Excellent online service, resolved all issue through chatting. Low interest rates, I pay 50% less compared with other credit companies with similar bo... Read more Reviewed on: 30th March 2026

Latest lowest rating:

1

Excellent my credit was not good zopa gave a credit... Excellent my credit was not good zopa gave a credit card Reviewed on: 6th March 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 (43503)

Excellent

Very easy straightforward application Reviewed on: 21st February 2023

Responsible Lending

I have had a Zopa credit card for a couple of years now and I have found it to be most useful as a back up whilst travelling for work around EMEA. The credit limit has only been increased once during this time and only by a small amount. But for me that works. Reviewed on: 21st February 2023

Great customer service

They were quick and efficient. The customer service was great and they always kept in contact with me to let me know what was going on Reviewed on: 21st February 2023

Great company, simple to use app

Easy to use, all online. No problems at all Reviewed on: 21st February 2023

GREAT DECISION

VERY HELPFUL BUILDING BACK UP MY CREDIT SCORE Reviewed on: 21st February 2023

Good card with great features

I like my Zopa credit card as it has no fees attached to it, so it's great for travelling! They rarely seem to offer increases in credit though, and offer small credit amounts (despite having a very strong credit score and always displaying responsible borrowing), but it's not the worst issue and only knocked them down one star because of it. Reviewed on: 21st February 2023

Good credit card

I agree with the Zoopla is a very good credit card Reviewed on: 21st February 2023

Simply apps

Few years I have this card, not any problem, increase credit Reviewed on: 21st February 2023

Helpful credit

Very easy to get a completed online application. With a manageable credit limit Reviewed on: 21st February 2023

Quick and very easy.

Applying for the credit card was supremely quick, easy and straightforward. The app is superb for keeping track of expenditure, repayments and charges. Am also able to track the loan I have with ZOPA too. 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 Card
from Ocean Finance 4.76 from 19 reviews
Credit Card
from thinkmoney 1.40 from 2 reviews
Purchase Credit Card
from Halifax 3.75 from 18 reviews

Want to see more from Zopa?

Current account
from Zopa 4.94 from 5953 reviews
Cash ISA
from Zopa 4.94 from 1539 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