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)

Life savers

When other credit card rejects customers ZOPA rescue Reviewed on: 15th January 2023

Excellent customer service

Fab credit building card with great service low Interest rate Reviewed on: 15th January 2023

Mr Aftab Alvi

Very very good Reviewed on: 15th January 2023

Credit card

When I needed it the most Zopa help me with a credit card option where no one else help me Reviewed on: 15th January 2023

Amaazing service

Applied for card and already seen improvement in my credit! Good access via the app Reviewed on: 15th January 2023

Good service and easy access

Nice credit services and provide nice customer service Reviewed on: 15th January 2023

Just so helpful

The app is great They provide opportunities and guidance and advice on raising your credit score Reviewed on: 15th January 2023

Great help

Easy to use, and a great return when used. Reviewed on: 15th January 2023

Amazing

Amazing card and no fees over see which is massive for me Reviewed on: 15th January 2023

Top rates

Rates manageable, app easy to use and understand. 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

Gold Card
from first direct 4.59 from 9 reviews
Credit card
from 118 118 Money 4.83 from 1104 reviews
Premier Credit Card
from HSBC 3.85 from 20 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