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)

Easy to use and intuitive app

Easy to use and intuitive app, clearly laid out so are able to see what spend is apportioned to what category. Reviewed on: 21st February 2023

Fair interest

I have used a few different card providers but I believe Zopa to be the best. Fair interest rates, good chat function, and friendly staff. Reviewed on: 21st February 2023

Great Credit Card

Easy to use with the App. Prompts for repayment helps to make payment on time Reviewed on: 21st February 2023

No direct debit

Great for everything but not being able to set up a direct debit and having to come out of your debit card instead has meant I have not had cash in the right place at right time incurring fines Reviewed on: 21st February 2023

Amazingly affordable repayments

The repayments are low really not that much. And it doesn’t charge much for taking out cash. It doesn’t charge that much if you miss repayments and it gives you extra time to pay if you can’t afford. I am very lucky to have the opportunity to be able to borrow from this company. I would recommend this company to absolutely anyone. You have no worry about not being able to afford it, the support from the company is really nice and it’s really reassuring. You will not worry much about anything while using this company because it’s just that good. I have will continue to use this company for as long as I can because I love it that much Reviewed on: 21st February 2023

Brilliant credit card

It’s a brilliant product that I would recommend to everyone Reviewed on: 21st February 2023

Excellent in every way

Excellent in every way would recommend to everyone Reviewed on: 21st February 2023

Great customer service

Great customer service and easy to use Reviewed on: 21st February 2023

Feedback

Efficient, friendly, manageable and clear to use Reviewed on: 21st February 2023

Perfect

Very good company, make you feel wanted , and very helpful 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 Chase Bank 4.95 from 376 reviews
Platinum Cashback Credit Card
from American Express 4.56 from 69 reviews
Aquis Card
from Vanquis 4.28 from 41 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