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)

Mrs

good services good policy fast services Reviewed on: 29th March 2022

Great service

Easy to use, app is great and co stantly up to date. Reviewed on: 29th March 2022

zopa

It was very easy to apply and verify all required documents and the identity. The card was delivered within 10 working days. Reviewed on: 29th March 2022

Credit card that lives up to its purpose

Very handy app, followed closely by a clear instructions and it's use Reviewed on: 29th March 2022

Brilliant card

This is the best credit card I have had I would like to say if your thinking about getting a credit card then this is the one it is amazing Reviewed on: 29th March 2022

Recommend

Absolutely amazing works so well and quick to set up etc Reviewed on: 29th March 2022

Reliable

It's easy to use, most friendly app Reviewed on: 29th March 2022

Ease of use

To actually see what your credit balance is and how easy the app is to navigate have helped me change my view on credit. I used to have a bad relationship with credit but now I’m on the way up and can see my progress. Reviewed on: 29th March 2022

Quick and easy.

I applied for a Zopa credit card and the application was so easy abd quick to do and the app is so simple to use. It is really handy to be able to keep a track of your transactions. Reviewed on: 29th March 2022

Straightforward

Every thing I required was clearly explained what I needed in the time it was required was sent to me and put my mind at rest a very slick and professional body to deal with Reviewed on: 29th March 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

Everyday Credit Card
from Creation 2.66 from 20 reviews
Credit Card
from thinkmoney 1.40 from 2 reviews
123 credit card (discontinued)
from Santander 3.94 from 161 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 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