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)

Zopa rocks

Love the credit card. Can use it abroad without any additional cost. Reviewed on: 15th February 2023

Easy to understand App.

Thé credit card gives you a substantial length of time to pay the transfer balance. The app is easy to understand and use. It offers customers useful information and tools to increase their credit score and manage their financial situation in a straight forward manner. Reviewed on: 15th February 2023

horrible

HORRIBLE! my card stopped working due to missing payment after falling ill for a few weeks and not earning as much. yet I was sent a message and it said if I made the minimum amount, the action would be stopped (min amount due on 16 February 2023) and paid it on 27 Jan. card says it is accessible and unblocked on the app but still not able to use it. Contacted over the phone and was told because of missed payments I can't use it. I explained I paid the requested amount (on 27 Jan) when I received the message to stop the card from working and way in advance of the minimum payment due date (16 Feb). yet they were giving like "oh well" answers. very unhelpful. Avoid! Reviewed on: 14th February 2023

Just an every day credit card

Use it smart and won't get overcharged Reviewed on: 12th February 2023

My world

My document îs about animals because its needed home all Time. Reviewed on: 11th February 2023

Nice company

Ok very happy with this credit card thanks Reviewed on: 11th February 2023

Very easy setup

Application was no more than 5 mins and once I’d was verified we were good to go The apr is the same for cash withdrawals and purchases at a very competitive 9.9%apr Reviewed on: 11th February 2023

Very customer focused

I've been with first direct for over 20 years. They have always been extremely helpful and I have had no reason to criticize in that time. Reviewed on: 11th February 2023

Fabulous

Great service & APR would recommend Zopa for Kaunas as well excellent customer service Reviewed on: 10th February 2023

Fabulous Credit Card provider

Providing credit card facilities for the average person with very easy to use app Reviewed on: 10th 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

Premier Credit Card
from HSBC 3.81 from 20 reviews
Cashback Plus Credit Card
from NatWest 4.40 from 63 reviews
Credit Card
from thinkmoney 1.40 from 2 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1539 reviews
Current account
from Zopa 4.94 from 5952 reviews
Smart Saver
from Zopa 4.94 from 8051 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