Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.93 (41970 reviews)

View other Zopa products

4.93

Based on 41,970 reviews, last reviewed 13th Feb 2026

166800% 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

Zopa is there when you need it! Zopa is there when you need it! Very professional, helpful and prompt. Reviewed on: 13th 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

What is this award?

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (41970)

Less likely to recommend

That's the only card I hot that never change my credit ratings. Reviewed on: 13th January 2023

Caring credit care excellent

Couldn’t fault. Very pleased with this card Reviewed on: 13th January 2023

Best among the rest

It has been over two years since I switched to a Zopa credit cart; previously, I had another provider. Since I had a Zopa credit card, I didn't need another credit card. As a result of my spending and needs, the balance increased without me applying for an increment, and the support team responded quickly and solved the issues effectively and efficiently. Reviewed on: 13th January 2023

Easy to apply and great at making sure you stay within your li.its and providing other services

Absolutely amazing rank you zopa Reviewed on: 13th January 2023

Credit card

I would highly recommend Zopa quick and efficient and app is easy to use and straight forward Reviewed on: 13th January 2023

Easy and open

Works well, goes without saying you need to keep on top of it Reviewed on: 13th January 2023

Credit Builder Card

Excellent experience so far only had my card for just over a year fair credit limit to start which has been increased . Great app on iPhone Reviewed on: 13th January 2023

Ease of use

Zopa is easy to use and has a good minimum payment that is affordable for everyone. You can also select when you wanna make payments any time which means you can never fall behind on payments and that’s good for your credit score. Excellent credit lender Reviewed on: 13th January 2023

Fantastic!

Easy to use credit card, and everything is managed through the app! Reviewed on: 13th January 2023

Essential

Best credit card supplier I’ve used. 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 Zable 4.94 from 49749 reviews
Credit card
from ASDA Money 2.53 from 103 reviews
Zero Credit Card
from Santander 4.08 from 19 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1454 reviews
Current account
from Zopa 4.94 from 5229 reviews
Smart Saver
from Zopa 4.94 from 7490 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