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)

Wow

The zopa credit card is great, so easy to manage on the app, the ability to truly have complete control over your spending, love the credit cushion setting! Also the ease to pay amounts off the credit card whenever you want is spot on, no need for 1000 different steps to log in it is all there right at your fingers tips! Would 100% recommend Reviewed on: 14th January 2023

Best card ever

Easy to use app and the best thing is Zopa will not increase my credit if my rating isn’t good which keeps me grounded and controlling my debt Reviewed on: 14th January 2023

Fantastic App

It was so easy to apply for the card straight forward application. The app is amazing and easy to read balance. Any money paid off shows up straight away. Reviewed on: 14th January 2023

Would highly recommend

The application process was easy, the app is amazing and very clear, even tells you the percentage of the credit limit you've used. Payments go through with no bother, I like the fact they reflect in the balance immediately. Reviewed on: 14th January 2023

Excellent service

Easy to use app with great credit options automatically updater Reviewed on: 14th January 2023

There when I needed them

Zopa was the start of my journey to get my bad credit back on track, and thankfully, they have done just that! Reviewed on: 14th January 2023

A good card with support

This card has been very helpful. Good support and help. Reviewed on: 14th January 2023

Best on the market

Easy to use and nice to hold ! Best type of credit card on the UK market . Reviewed on: 14th January 2023

Great Credit Card

Easy to apply, great app and very useful tools. Reviewed on: 14th January 2023

Absolutely brilliant

I had no problem applying as it was 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

Avios Credit Card
from TSB 3.20 from 19 reviews
American Express Credit Card
from American Express 3.27 from 107 reviews
Credit builder credit card
from Vanquis 4.79 from 19912 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