Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43504 reviews)

View other Zopa products

4.94

Based on 43,504 reviews, last reviewed 9th Apr 2026

156250% 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

Excellent online service, resolved all issue through... Excellent online service, resolved all issue through chatting. Low interest rates, I pay 50% less compared with other credit companies with similar bo... Read more Reviewed on: 30th March 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 (43504)

Mr jahangir Rana

I’m so happy coz I’m new coustmer Reviewed on: 11th January 2023

Brilliant

Zopa is a great credit card to have and I wouldn’t be without it now Reviewed on: 11th January 2023

Superb

This card suites me perfectly a small limit. Yet I can pay if off easily without incuring interest fee's. Also the way I have gained there trust they increased the limit to which is easily manageable. With this in hand it has helped me gain a higher credit score as it continues to get better. I will able to achieve other cards if needed with Zopa's help Reviewed on: 11th January 2023

Easy to apply

Application process is easy, good interest rate, app is easy to understand Reviewed on: 11th January 2023

top credit card provider

i have zopa credit card i say this comapany is best go above and beyond i very highly recommend them wont be dissapointed Reviewed on: 11th January 2023

Amazing credit card/savings

Love the savings part on the app and the credit is perfect for me and helps me track my spending. Reviewed on: 11th January 2023

Zopa keeps you in control and very helpful

Very understanding and helpful with good ideas Reviewed on: 11th January 2023

Very good

ra vc gnoC very good very nice very easy app Tks very much gdfbbbbvvbb nnn vhjjjjjkm Reviewed on: 11th January 2023

Best lent

So quick to set up and apply for credit, checks are so quick Reviewed on: 11th January 2023

Easy to use

Its very easy and simple to use. I’m having for a while Zopa card and enjoying using it Reviewed on: 11th 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

Instant pay
from Incredible 5.00 from 28 reviews
Initial Credit Card
from Barclaycard 4.00 from 118 reviews
Bip Credit Card
from NewDay 4.91 from 2284 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1539 reviews
Current account
from Zopa 4.94 from 5953 reviews
Personal loan
from Zopa 4.94 from 68053 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