Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44340 reviews)

View other Zopa products

4.94

Based on 44,340 reviews, last reviewed 1st May 2026

36% increase in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Very straightforward card easy to use &the app is ve... Very straightforward card easy to use &the app is very easy to use highly recommend it Reviewed on: 1st May 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 credit card provider 2025

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

Zopa Credit card reviews (44340)

Excellent service

Great company to help get credit back jnder control would definitely recommend Reviewed on: 15th January 2023

Friendly

Zopa is very easy to access and very straightforward Reviewed on: 15th January 2023

Super low interest

Being accepted for this super low interest rate credit card was a boon for me. No doubt helped by being a valuable personal loans customer. I am extremely pleased with the Zopa products overall and no need to go anywhere else. Reviewed on: 15th January 2023

Accessable to All

Overall it was a really simple process to get the account open and the card was with me in a about 2 days. The app itself has all the usual uses one would need. Be that the ability to set a buffer limit or too freeze your card as i have done once when lost. Once i found it at the lost and found i could unfreeze. Not having to wait for another card in the post. The best feature i think is being able to see your pin. I don't use it often due to it's contactless so it really helps being able to get my pin after a quick security check beforehand. Reviewed on: 15th January 2023

Excellent

Excellent experience, very easy to use. Reviewed on: 15th January 2023

Great credit card and low monthly payments.

I’ve had a Zopa credit card for nearly one year now, it’s been great for building my credit rating and also the monthly payments are low. Reviewed on: 15th January 2023

Easy to use and simple to apply

The app is nice and easy to use. The application process was simple. Reviewed on: 15th January 2023

Top card helper

Top credit ca4ds ,very easy to use, so helpful when they needed Reviewed on: 15th January 2023

Great Customer Service

Great customer service & always keep me informed of any changes to my account Reviewed on: 15th January 2023

Keeping on top of my finances

With Zopa I know exactly how much I stand with a notification to my phone within minutes of any expenditure, and a customer friendly app to check my balance, giving me peace of mind 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

Purchase Credit Card
from Halifax 3.63 from 19 reviews
Opus Credit Card
from NewDay 5.00 from 3 reviews
Platinum Credit Card
from Lloyds Bank 4.21 from 56 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1545 reviews
Personal loan
from Zopa 4.95 from 69082 reviews
Current account
from Zopa 4.93 from 6589 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