Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43503 reviews)

View other Zopa products

4.94

Based on 43,503 reviews, last reviewed 24th Mar 2026

156200% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Transparent lender They have been a great company to deal with. Everything is explained in plain English. Their offers are clear and when you speak to their staff they a... Read more Reviewed on: 24th March 2026

Latest lowest rating:

1

Excellent my credit was not good zopa gave a credit... Excellent my credit was not good zopa gave a credit card Reviewed on: 6th March 2026

Read all reviews See your 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.

Awards

Best credit card provider 2025

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

Zopa Credit card reviews (43503)

Review of the Zopa, Credit card:

I've found zopa incredibly helpful all the time

I've found zopa incredibly helpful all the time Reviewed on: 17th April 2025

Simple, transparent, and easy to manage

My experience with Zopa’s credit card has been smooth and straightforward. The application process was quick, decisions were clear, and everything was explained in plain language with no hidden surprises. The app is easy to use, payments are simple to manage, and customer support has been responsive whenever I needed help. Overall, it feels like a transparent and well-run service that does what it promises. Reviewed on: 15th January 2026

Great app

App very user friendly, clear and concise Reviewed on: 15th January 2026

Good service good advice happy easy to contact

Good service good advice happy easy to contact Reviewed on: 15th January 2026

Service excellence

Excellent service very informative and very helpful Reviewed on: 15th January 2026

Credit card and have had 2 loans with Zopa and excel...

Credit card and have had 2 loans with Zopa and excellent in all aspects Reviewed on: 15th January 2026

Great company never had a issue

Great company never had a issue Reviewed on: 15th January 2026

Great no problems easy to use app is easy to...

Great no problems easy to use app is easy to use Reviewed on: 15th January 2026

Great cc

I have had a cc with Zopa for a while now and it’s been so easy to use and the app is great Reviewed on: 15th January 2026

Excellent company to deal with help with credit buil...

Excellent company to deal with help with credit building Reviewed on: 15th January 2026

I’ve been using this service for long time, really h...

I’ve been using this service for long time, really helps also having snooze to help with payments is also good, Reviewed on: 15th January 2026

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

Fluid Credit Card
from NewDay 4.37 from 103 reviews
Cashback Plus Credit Card
from NatWest 4.41 from 63 reviews
Credit Card
from Ocean Finance 4.67 from 19 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1539 reviews
Current account
from Zopa 4.94 from 5952 reviews
Smart Saver
from Zopa 4.94 from 8051 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