Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44349 reviews)

View other Zopa products

4.87

Based on 44,349 reviews, last reviewed 21st Jul 2026

99% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Excellent credit card I didn’t have any problems Excellent credit card I didn’t have any problems Reviewed on: 21st July 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th 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 banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44349)

No hidden agendas

What they tell you is what you get helpful Reviewed on: 21st February 2023

Fantastic service

Does exactly as it says on the tin. Highly recommend! Reviewed on: 21st February 2023

User friendly

Very easy application process supported by an App that makes it easy to control your account. Reviewed on: 21st February 2023

Easy to use,

Easy approved, nice card, good app, Reviewed on: 21st February 2023

Great credit card company

Easy application and they make sure it is affordable for you and its so easy to set up a set payment which you can change as long it is a minimum payment Reviewed on: 21st February 2023

The best credit card I have

I would recommend this to all my friends very easy to apply and quick simple to use the app as well Reviewed on: 21st February 2023

One of the most useful App based card

The card is a very useful tool for overall tracking your financial via an app. Frequent credit report updates keep you aware of how your profile appears to other lenders and keeps you cautious of your spending outlook Reviewed on: 21st February 2023

Really good service

Great service when needed. Would highly recommend Reviewed on: 21st February 2023

Friendly and Helpful

Zopa is a refreshing and useful card, the customer service is excellent and I would recommend them to people I know Reviewed on: 21st February 2023

Good choice good service

So easy to use and the app is really good 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 thinkmoney 4.03 from 3 reviews
Gold Card
from first direct 4.23 from 9 reviews
Balance Transfer Credit Card
from Halifax 4.06 from 64 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69089 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Cash ISA
from Zopa 4.83 from 1546 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