Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44350 reviews)

View other Zopa products

4.87

Based on 44,350 reviews, last reviewed 22nd Jul 2026

99% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

very nice service i like zopa all service i love zop... very nice service i like zopa all service i love zopa bank and very quick any problem slow great work i refer to my friends Reviewed on: 22nd July 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 banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

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

Zopa Credit card reviews (44350)

Bad credit

I was accepted on Sunday and I now have the card. Wow quick work guys. Reviewed on: 14th January 2023

First credit card

My first ever credit card after having a poor credit score, the app is really simple to use and very clear regarding your payments and payment options. Reviewed on: 14th January 2023

Great credit card from responsible lenders

A great credit card where the lenders keep you updated regularly on your spending limits and provides excellent support to help improve your credit rating. Would recommend this card to friends and family. Reviewed on: 14th January 2023

No fuss and easy to deal with.

Zopa are a company that are very easy to deal with and things get done with the minimum of fuss. I would gladly recommend them to people I know. Reviewed on: 14th January 2023

Simple process

The process of checking your balance online is so simple. Great low interest and tips each month on borrowing power. Reviewed on: 14th January 2023

Great app

Great app. Clear and easy to use. The only space to improve - add Apple Pay functionality. Reviewed on: 14th January 2023

Great rates brilliant support

The app is easy to use. They help you manage your spending and give advice. Reviewed on: 14th January 2023

Easy use.

The card is easy to use, and the app is excellent . Reviewed on: 14th January 2023

Zopa best credit card

Excellent customer service anytime I’ve had a query Reviewed on: 14th January 2023

Pleased

So easy to get app and instructions easy to understand and follow. Also pleased that I could put aside a wee bit as a safety net for emergency’s. 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

Nectar Credit Card
from American Express 3.16 from 14 reviews
Partnership credit card
from John Lewis 2.09 from 902 reviews
Balance Plus (discontinued)
from Capital One 4.20 from 4 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69089 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Cash ISA
from Zopa 4.83 from 1546 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