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)

good credit card

has been a good credit card never let me down Reviewed on: 15th January 2023

The best credit card provider!

I’ve been a customer for around 2 years now, I love Zopa. They’re easy to get hold of, always rectify any problems asap. Overall a fab company! Reviewed on: 15th January 2023

Flexible, easy app & great all round

Love the Zopa card it works well for me and fit well into my lifestyle. Easy navigational app with no dramas. Definitely a great addition to my Apple pay too. Would recommend to everyone Reviewed on: 15th January 2023

Best credit card

I like it cos the payments u make go straight onto your account no waiting a few days like most cards Reviewed on: 15th January 2023

the app

the app is very useful for keeping an eye on your spending. Very easy to pay your bill. Reviewed on: 15th January 2023

Always very helpful

As the title great customer service Reviewed on: 15th January 2023

Excellent

Got to be fair excellent service its a pleasure to be with this credit card provider never had a problem at all with them Reviewed on: 15th January 2023

Great credit card great rates

I’ve had Zopa for nearly a year now and they are a good credit card company, never had any issues with them, not had a credit limit increase since I joined but overall great! Reviewed on: 15th January 2023

Quick and fast processing

Very helpful in my difficult moments when I needed some cash Reviewed on: 15th January 2023

Review

Very quick and easy to use, no back logs so you don’t have any problems to worry about. Very reliable. Would highly recommend. Reviewed on: 15th 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
Gold Card
from first direct 4.59 from 9 reviews
Marbles Credit Card
from NewDay 4.90 from 540 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