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)

Great credit card option

Easy and quick application, excellent APR rate and card delivered within days..! PIN provided when you activate on the app Reviewed on: 15th January 2023

Best credit card

You pay no charges when the card abroad and the exchange rate is good. Easy to manage through the app. Reviewed on: 15th January 2023

Best credit card ever

The app is great very straightforward and easy to use never let you down and exceptional customer service with patience and care. Reviewed on: 15th January 2023

Reliable and transparent

Customers care specialists as I always get the required results whenever enquiries are made concerning my credit cards account Reviewed on: 15th January 2023

Easy and great app

Very fair and easy to deal with very easy app and payments update in minutes Reviewed on: 15th January 2023

Zopa services is very good

Zopa services is very quick and easy Reviewed on: 15th January 2023

Great features

Having got the credit card, I like the option to create a credit cushion while still having the same limit. Very helpful. Reviewed on: 15th January 2023

Easy to use app

Helpful and friendly with an easy to use app Reviewed on: 15th January 2023

About Zopa

Simple reliable and easy to use service. Recommended. Reviewed on: 15th January 2023

Efficient and effective communication

Zopa are very good for building credit scores they are efficient effective and reliable good customer service great customer support good customer communication I definitely recommend them to anyone looking for great credit card. 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

Flex Purchase credit card
from Monzo 4.97 from 3085 reviews
Balance Plus
from Capital One 3.56 from 3 reviews
Gold Card
from first direct 4.59 from 9 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