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 30th Mar 2026

156250% 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

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

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 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 (43503)

Credit builder

Easy application and great service! Reviewed on: 2nd April 2022

Help Built My Credit

When all credit card rejected me they helped me. And I've not disappointed them Reviewed on: 2nd April 2022

Brilliant

Application is easy online user friendly. Easy to use less has great service and brilliant security when using the card. As sends text message to phone to verify purchases. Peace of mind and safety. Reviewed on: 2nd April 2022

Spectacular service and accessibility

Zopa are hero's. Customer service is impeccable and they are always on hand to help. Thank you Zopa! Reviewed on: 2nd April 2022

Great easy and convenient

Haven’t had any trouble using the card or app, very good all round Reviewed on: 2nd April 2022

Great Product and Simple to Use

The whole process from application to acceptance was so straight forward and the app is great to keep a check on your balance and make payments. I love this and am happy to recommend to everyone. Reviewed on: 2nd April 2022

Zopa CC LMT

Brilliant easy to set up. App extremely useful and easy to navigate. Would not hesitate to recommend to family and friends. Reviewed on: 2nd April 2022

Very serious company, thanks!

Verry good experience and trust, I will recommend for my friends in case they are straggling to paying for their bills Reviewed on: 2nd April 2022

easiest card and app ever

Unlike other credit card providers who make you jump through hoops Zopa is easy. The app is simple and easy to use and you can even set a credit cushion in case of a rainy day. Really happy with my experience so far Reviewed on: 2nd April 2022

Top card

Zopa great card to have handy in your wallet Reasonable interest rate great for building up your credit if you have had problems in the past .A good start for the future Reviewed on: 2nd 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

Cashback credit card
from Lloyds Bank 4.67 from 15 reviews
Everyday spending credit cards
from Halifax 4.04 from 74 reviews
Overpay
from Incredible 4.60 from 5 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