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)

Great app just so easy to use and all around just a good credit all

Great app just so easy to use and all around just a good credit all Reviewed on: 1st April 2022

Just great

Ask for credit card no messing you save me thanks Reviewed on: 1st April 2022

Positive

Happy with using the account and card it helps me a lot in hard life moment situations when I need extra money and I've been left without help, as a single parent with two department zopa save my life when I couldn't get help from friends sadly . Reviewed on: 1st April 2022

Amazing company

My overall experience with zopa as been great. Easy to set up . No complications. Brilliant way to improve credit score. And no risk involved. Reviewed on: 1st April 2022

Easy to use App

Zopa is a great company. I have both a credit card and personal loan with Zopa & I love the app. Its easy to make additional payments & easy to see whats happening with your account. The personal loan is easy to manage & application process simple. Reviewed on: 1st April 2022

easy card to access and use

Great card, great app - especially for overseas use! Reviewed on: 1st April 2022

Bad credit builder

With my credit score , everyone turned me down then somehow I discovered Zopa, I got accepted even with my bad credit. Now I am on my way to repair my credit using their credit builder card. Thanks Zopa for letting me in again and helping with my future. Reviewed on: 1st April 2022

great service

easy application and swift process. very good company Reviewed on: 1st April 2022

Great company!

I would recomend Zopa to anyone they are the best credit card company around. Zopa has helped me out when i have needed them and the rates are great and they are a no hassle company. 10/10 from me. Reviewed on: 1st April 2022

Amazing card

Lovely I really enjoying using this services Reviewed on: 1st April 2022

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 Shop Direct 4.69 from 6 reviews
Clubcard credit cards
from Tesco Bank 3.98 from 325 reviews
Credit Card
from Ocean Finance 4.67 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 5783 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