Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43485 reviews)

View other Zopa products

4.94

Based on 43,485 reviews, last reviewed 16th Mar 2026

155350% 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

Great for spending. Great for spending. Helpful. Good for low credit score to get a card. Easy to use. Good working app. Good repayments. Would definitely recommend to ot... Read more Reviewed on: 16th 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 (43485)

Easy and hassle free

Zopa credit card has been nothing but plain sailing, they keep you up to date with what’s happening and what’s changing via email and have updates about your borrowing on the Zopa app. Reviewed on: 14th January 2023

Banking

Very good quick friendly organisation excellent Reviewed on: 14th January 2023

Friendly

Zoopa have been very good to me the app is easy to use and they keep me updated Reviewed on: 14th January 2023

Friendly app

Superb service and easy to understand the app Reviewed on: 14th January 2023

Easy to use app

Had my card for nearly 2 years and never had a problem with zopa. Lost my card last week, easy to cancel on app and new card turned up 3 days later. Reviewed on: 14th January 2023

Best card for me

Best easy useful credit card you need Reviewed on: 14th January 2023

Uncomplicated credit

Unlike other “bad credit” companies I have found Zopa to be refreshingly easy to use. Responsive customer service, transparent information about potential charges and due dates. Most importantly an app that actually works and allows you to pay off your debt. I particularly like the savings pots which I use to manage my account. I’m a very satisfied customer. Thank you Zopa! Reviewed on: 14th January 2023

Fantastic company

Fantastic company card is amazing the app is the best and when u make payments take seconds to go on absolutely amazing company 10 out of 10 from me guys Reviewed on: 14th January 2023

Simple - Straightforward and Honest

I reluctantly took up an offer to try for a card from Zopa, couldn't believe the simplicity in comparison with some other credit companies, now I fully realise that may not always be a good sign, but I can assure you in this case, it defineately is. Zopa are class, end of. Reviewed on: 14th January 2023

Good

Rely good experience no hassle on line banking so easy 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

Select Credit Card
from Nationwide 3.63 from 10 reviews
Platinum credit cards
from Barclaycard 3.84 from 316 reviews
Credit card
from Chase Bank 4.95 from 374 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 8044 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