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)

Very good service

Zopa are excellent at keeping you updated about your account and ensuring your kept posted about any changes or when payment is due Reviewed on: 14th January 2023

Good company

I am happy with my card ! And Customer service is very Good Reviewed on: 14th January 2023

help built my credit score

Good service and help built my credit rating Reviewed on: 14th January 2023

Reliable

They are very reliable and trustworthy company Reviewed on: 14th January 2023

Excellent

They are reliable, always there to help Reviewed on: 14th January 2023

Great experience for my first credit card

Zopa has been a great experience for my first credit card, it was very clear to understand what i was committing to when applying and they have sensible borrowing limits. Zopa also have lots of features to help you with you manage your money and create buffers for rainy days. I have had to contact Zopa staff in the past and they were extremely helpful and provided a quick and speedy solution to my problem. I have recommended Zopa to my friends who are beginning to shop around for credit cards and they’ve have just a great experience as me. Thanks Zopa!!! Reviewed on: 14th January 2023

Great card

Just a very good card to have. When you pay your payment it actually goes off your debt. Reviewed on: 14th January 2023

Easy to use and App is superb

Access into the app is really good and clear interface once on the app. Would 100% recommend to others Reviewed on: 14th January 2023

Independence

Just a comfortable application & excellent after service plus App Reviewed on: 14th January 2023

Credit card

Good experience nice work erverthing good 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

Initial Credit Card
from Barclaycard 4.02 from 122 reviews
Credit card
from Zable 4.94 from 77507 reviews
Credit Builder
from Chime 0.00 from 0 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