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 24th Mar 2026

156200% 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

Transparent lender They have been a great company to deal with. Everything is explained in plain English. Their offers are clear and when you speak to their staff they a... Read more Reviewed on: 24th 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)

Fantastic service,

Fast, reliable and highly recommended, Reviewed on: 17th January 2023

Excellent service

I have been a customer for a while and have found the service to be excellent. Reviewed on: 17th January 2023

Its ok

Not much credit in the account to use part of that they doing very good! Reviewed on: 17th January 2023

Brilliant service, never any issues using the service

Contact less, works great, credit limit could be higher, but overall great card Reviewed on: 17th January 2023

Excellent card, app & transparent terms

My credit rating is not great, but I still needed a decent credit card. My main bank account is with a new bank and an excellent app and I was looking for a credit card with an app just as good and excellent terms for travelling abroad. Zopa is superb. Total transparency and extremely reasonable. What a pleasant surprise! I highly recommend Zopa. Reviewed on: 17th January 2023

Credit card

Very impressed with this credit card Reviewed on: 17th January 2023

A great credit card for busy people

Zopa is easy to use and interest is lower than most similar cards. Reviewed on: 17th January 2023

Easy to use and very easy to contact, had no issues with the company

Since i have taken this card out with Zopa, i get regular updates via email, had no issues like long waiting time to get through to them via phone. Always have been helpful and friendly and also seem to care about their customers Reviewed on: 17th January 2023

Good

Good................................ Reviewed on: 17th January 2023

Great easy to use app and services

Help you keep track of your money and be on top on your spending Reviewed on: 17th January 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 Luma 4.00 from 2 reviews
Credit Card
from Shop Direct 4.67 from 6 reviews
Credit card
from Chase Bank 4.95 from 376 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