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)

Realistic

They don't only offer credit cards, but you can also save confidently on the app to help you achieve a goal, which I think is brilliant. Reviewed on: 15th January 2023

Great card

Easy and simple to manage with the app. Reviewed on: 15th January 2023

Card

Very good credit card and excellent customer service Reviewed on: 15th January 2023

excellent company

absolutly highly impressed with the company. Reviewed on: 15th January 2023

I recommend Zopa

I use Zopa credit card and happy with them Reviewed on: 15th January 2023

Best credit card provider

5 star, easy process great communication and offers Reviewed on: 15th January 2023

No hassle

No hassle or trouble, my dog ate my card and I had just moved house but no worries, had a new card within days Reviewed on: 15th January 2023

Easy and efficient

I love Zopa!!! Totally feeling the pinch with Christmas then January pay day being 100 days away, but having a credit card with Zopa has taken the stress away. Reviewed on: 15th January 2023

Aqua credit card

Excellent card, easy application hood APR rates Reviewed on: 15th January 2023

Contemporary, puts you in control

I like the app as it puts you in control of your finance, the interest rates are also competitive. Great customer service overall. 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 builder card
from thimbl. 4.88 from 18 reviews
Hilton Honors Credit Card
from Barclaycard 4.17 from 11 reviews
Credit Card
from Bank of China (UK) 5.00 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