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 Credit Card around

Fantastic card I take everywhere and great rates. Reviewed on: 13th January 2023

Easy and safe

Such a great service with a safe and secure Feeling and the app is fantastic. Reviewed on: 13th January 2023

I very much enjoy using my Zopa card

Abroad it is brilliant, you can see the exchange rate immediately Reviewed on: 13th January 2023

Amazing credit card service

Excellent service from the company. They provide a wide range of lending and banking options in their app. Reviewed on: 13th January 2023

Best thing to happen to me

I had some trouble in the past with a credit cards that helped destroy my credit score (vanquish+capital one) by allowing me to get too close to my spending limit and then when the interest hit made me go over then charged me more for it and I couldn't get out of it. But Zopas Credit cushion stops me from ever making that mistake. It has also helped raise my credit score again. Thank you Zopa you also helped me rebuild my life after a split and had to buy new bedroom furniture. My hero Reviewed on: 13th January 2023

My card

I can say they have been the best card provider I av ever used no problem with bills or time to pay Reviewed on: 13th January 2023

Worth it

Good rates and easy processes. Regular communication too. Reviewed on: 13th January 2023

Fantastic credit card

Had nothing but an amazing experience with my card, the app is one of the best out there for keeping on top of your finances Reviewed on: 13th January 2023

Fantastic

Zopa help me a lot is the best credit card you.can have. Thank you Reviewed on: 13th January 2023

Easy to use, hassle free

I've been using the credit card for a long time now and I've already had my limit increased twice. Never had any problems. Very good. 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

Clubcard credit cards
from Tesco Bank 3.98 from 325 reviews
Credit card
from Debenhams 2.40 from 13 reviews
Credit card
from Yonder 4.95 from 634 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1454 reviews
Current account
from Zopa 4.94 from 5763 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