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)

They helped when no one else would

I didn’t have the greatest credit score at the time and was looking to re build and improve. Zopa were the only company to reach out and help me. Without them I would not be on the road to repairing my credit score. I’ve never had a single issue with them. Everything has been an easy smooth ride with them thank you Zopa ! Reviewed on: 14th January 2023

Very good

Very good and Easy to setup and also it bill your credit I would tell anyone about zopa card Reviewed on: 14th January 2023

The best credit card company

I like zopa credit card because compared to the other credit card companies, it gives high starting credit card balance - I received 400£ starting balance and after a few months I applied and I got an increase for extra 400£. Probably in a few more months I will get another increase. So people zopa company is very reliable and has quality customer support service. If you ask me to choose a credit card between ZOPA and HSBC/barklays and the other "traditional"banks, I would 150% of the times will choose ZOPA. In the traditional banks there too much securities to go through and if I can't fill my details fast enough and I make 5-10 wrong moves and I have to call their customer service for a reset, which iny opinion is really Stupid. Reviewed on: 14th January 2023

FANTASTIC SERVICE

I’ve been a customer with Zopa for just over a year now and I’ve found them to be a great company with exceptional customer service. Their app is user friendly as you know exactly how to manage your account without multiple clicks. All in all a great company so far I would definitely recommend their services. Reviewed on: 14th January 2023

Very great

One of the most helpful organisations when you need help Reviewed on: 14th January 2023

Best card credit the Uk

The credit card Zopa, the best card uk. Reviewed on: 14th January 2023

Easy to use no hassle

I had a bankruptcy through issues with my business. Not personal debt but business. Zopa were the first card to have faith in me and I have always used them. Good company Reviewed on: 14th January 2023

Best credit card for building credit

Got Zopa card just over a year ago and had limited credit history, used it for only a few months before my credit score went up by over 200 points. Can’t recommend Zopa enough. Reviewed on: 14th January 2023

User friendly interface, great customer service

A great credit card facility for customers with low credit score , my limit was initially 400 , but with regular repayment and slight increase in credit score , I was move up to 1200! Reviewed on: 14th January 2023

Excellent bank

Helped and trusted me to re build my credit. 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 card
from Vanquis 4.23 from 561 reviews
Choice Rewards Credit Card
from Lloyds Bank 4.19 from 14 reviews
Student Credit Card
from NatWest 4.31 from 6 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