Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.93 (41972 reviews)

View other Zopa products

4.93

Based on 41,972 reviews, last reviewed 18th Feb 2026

167000% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Great team and easy to use app. Great team and easy to use app. Super easy to sign up and everything is very straightforward. Reviewed on: 18th February 2026

Latest lowest rating:

1

My credit card has been frozen due to suspicious act... My credit card has been frozen due to suspicious activity, I've checked my statement and nothing looks off, tried to get hold of Zopa all weekend with... Read more Reviewed on: 13th October 2025

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 (41972)

Best service

They ate the best service provider Reviewed on: 13th January 2023

Very helpful information about how to build a credit score

One of the best credit card for beginners to improve credit score Reviewed on: 13th January 2023

I'm so happy

Everything is going easy. Upgrading is coming fast and easy Reviewed on: 13th January 2023

Great product

Great card with full online access. Easy to control spending and check balances. Also notification after every spend. Reviewed on: 13th January 2023

Help when needed

As a bankrupt almost at discharge, I needed a card to help build my rating. The application process was simple and I didn't feel like I was going to be rejected. The interest is reasonable and the app means I can control my account easily. It has helped me, and I will be continuing to use this now I am discharged to build my credit score. Reviewed on: 13th January 2023

Amazing company

Customer service good . No issues Reviewed on: 13th January 2023

Great deals

Great deals. I recommend Zopa. Get a Zopa credit card. Reviewed on: 13th January 2023

Understanding

Zoopla help me build my credit rating backup always been fairly good company. Never harass customers. Excellent customer service. Google is very good as well easy to understand and do we stand. Plenty time to pay back what you owe Reviewed on: 13th January 2023

Helpful and reliable

Zopa is a great and fantastic credit card company. There payments are fair and very supportive. Reviewed on: 13th January 2023

Bit to smart

I don’t like reading incorrect ratings for if I can get credit, it’s only handy for foreign use no fees but Jaja is better Reviewed on: 13th 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 card
from Post Office 2.30 from 112 reviews
Credit card
from first direct 4.08 from 26 reviews
Credit card
from Yonder 4.95 from 635 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1454 reviews
Current account
from Zopa 4.94 from 5769 reviews
Smart Saver
from Zopa 4.94 from 7494 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