Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43505 reviews)

View other Zopa products

4.94

Based on 43,505 reviews, last reviewed 10th Apr 2026

156300% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Great credit builder and a good credit limit Great credit builder and a good credit limit Reviewed on: 10th April 2026

Latest lowest rating:

1

Schizophrenic lunatics I was unemployed last year for 5 months. I agreed a £25 per month payment plan with Zopa which was good at the time and should have ended in March 202... Read more Reviewed on: 9th 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 (43505)

Great credit card

Very simple to apply and accepted Easy to use app and all round brilliant card Reviewed on: 13th January 2023

zopa

decent online app, quick and easy application and acceptance Reviewed on: 13th January 2023

Best credit card I have ever had

I have been with Zopa for a couple of years now. The app is easy to understand and interest charges aren't too high. Reviewed on: 13th January 2023

Excellent All Round

Excellent to deal with from start to finish. Reviewed on: 13th January 2023

Easy, Quick, Amazing

From start to finish quality product and app so easy to use! fab! Reviewed on: 13th January 2023

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

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

Clarity credit card
from Halifax 4.22 from 266 reviews
Purchase Credit Card
from Bank of Scotland 4.53 from 10 reviews
Credit Card
from Ocean Finance 4.76 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 5954 reviews
Personal loan
from Zopa 4.94 from 68054 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