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 building

The app is easy to use and always on hand if you need help 5 stars Reviewed on: 29th March 2022

Good Credit card Approved

Zopa is a good credit card approved and I would recommend it to my family and friends. They customers service a very helpful. Reviewed on: 29th March 2022

Do you need to build your credit score

The Zopa credit card is there to help you build your credit score, with messages when you use it, so Zopa is helping you all the way. Reviewed on: 29th March 2022

Brilliant card provider

Great provider very helpful and they provide good information as to different services they do also very helpful with any questions there app is 100% never any issues with it top class well done Reviewed on: 29th March 2022

My review on my whole experience

I found Zopa easy to navigate. Its customer service is excellent , they are helpful approachable and I would definitely recommend them to friends and family Reviewed on: 29th March 2022

Great little car

Love this card and it’s accompanying app. Super simple to visualise/track spending. Options to limit/put way a chunk of credit for an emergency. I use this card and pay it off in full at the end of every month. It’s given me a surprising amount of peace of mind. Reviewed on: 29th March 2022

Really easy customer service via the app.

I had an issue with my address after applying and used the app to speak to customer service, I was chatting with someone with 5 minutes and it was easy and they were really helpful. Problem was sorted and updated. No waiting on the phone for hours like most companies. Really easy to make payments, love you fact it tells you when you spend on the card for security reasons. Would recommend this card. Reviewed on: 29th March 2022

Great, happy customer

Easy application, very good service. Nice company. Reviewed on: 29th March 2022

Great company

Easy to set up and very user friendly. Would highly recommend Reviewed on: 29th March 2022

Great Work

I have been impressed by how smooth the whole process (application online, staff I have spoken to & their professionalism, their knowledge & the ease with which, your application is to use). Also when, refunds or purchases are made, within 1-2 days, they are showing on the account. Great stuff. 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

Credit card
from Jaja Finance 1.44 from 145 reviews
Credit card
from Yonder 4.97 from 948 reviews
Classic Credit Card
from Bank of Ireland 3.37 from 6 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