Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43495 reviews)

View other Zopa products

4.94

Based on 43,495 reviews, last reviewed 20th Mar 2026

155800% 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

Explfantastic service Explain why not.eligable for change to lending amounts gives.plenty notice of payment amounts quick and easy to use Reviewed on: 20th 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 (43495)

Easy to use

App is easy and secure. Great card fir helping you kwep track of yoyr score. Reviewed on: 14th January 2023

Very Happy

Enable me to balance transfer some old credit card debt and get control of my finances Reviewed on: 14th January 2023

New credit card from Zopa

So far so good. Early days yet but got accepted with swiftly. App user friendly, easy to navigate, all done within the app and no need to go online. Reviewed on: 14th January 2023

Fantastic

No problems what so ever great service Reviewed on: 14th January 2023

Rebuilt my credit history

Helped turn round my finances , Reviewed on: 14th January 2023

Best credit card company

Having this credit card has helped me so much in building my credit score Reviewed on: 14th January 2023

Efficient and very fair

Excellent service have recommended to friends and family Reviewed on: 14th January 2023

Good company

Effortless, simple, easy to use app. Reviewed on: 14th January 2023

Brilliant company .. never a problem with contact .excellent

Good rates and efficient staff .highly recommended Reviewed on: 14th January 2023

Hit and miss

They gave me a card with 34% apr and a £500 limit... If I had known this I would not have proceeded with the application; however after cancelling it and re-applying a coupl eof months later I got a £3k limit with 9.9% apr which has gone up within a could of months to 10.9 Reviewed on: 14th 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

Marbles Credit Card
from NewDay 4.90 from 539 reviews
Credit Card
from Bank of China (UK) 5.00 from 2 reviews
Gold Credit Card
from American Express 4.70 from 24 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1538 reviews
Current account
from Zopa 4.94 from 5946 reviews
Smart Saver
from Zopa 4.94 from 8045 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