Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44342 reviews)

View other Zopa products

4.94

Based on 44,342 reviews, last reviewed 10th 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

Handyman Very handy and easy to use i would recommend this card to anyone Reviewed on: 10th 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 (44342)

Very responsible lender

I have bad credit and a year ago I got a zopa card, its been a blessing , I can afford the limit and they have no just bumped it up like older cards I had which got me into the bad situation I was in, they have a great app and I have no complaints, there security is great.thank you Zopa Reviewed on: 14th January 2023

Fantastic customers experience

Professional, easy to use and responsive app gives total peace of mind Reviewed on: 14th January 2023

Excellent service

always helpful and always offering advice. the app is so easy to use Reviewed on: 14th January 2023

Good service

Very easy to use and good service Reviewed on: 14th January 2023

Best credit card provider hands down

The rate is Perfect didn’t leave me in dept Reviewed on: 14th January 2023

Fantastic

Helps you with everyday living and keeps you in control Reviewed on: 14th January 2023

Helpful

Everything I need when I need it,nothing is a problem either on the app or on the phone. Reviewed on: 14th January 2023

Excellent Service

Zopa is clear and easy to use. Messages sent are minimal but are all useful and are clear and friendly. Available credit is made clear, all purchases and payments clearly acknowledged, and the company tone towards its clients is warm, straightforward and supportive. Easy to manage app. as well. Reviewed on: 14th January 2023

Fantastic combo

Credit score and credit card in one. Absolute perfect service. Reviewed on: 14th January 2023

excellent

Great company great rates. highly recommended 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

Credit builder credit card
from Vanquis 4.79 from 19912 reviews
Freedom Rewards Credit Card
from Barclaycard 3.90 from 61 reviews
Flexicard
from Halifax 3.65 from 7 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