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)

Amazing app

Brilliant app and easy to use. Really helps when making transactions Reviewed on: 28th March 2022

So pleased I joined

Always helpful when you need advice Reviewed on: 28th March 2022

Best Of The Best

This credit card is the best, it gives people like me the chance to rebuild my credit. Due to my poor credit rating, I was unable to obtain credit but thanks to Zopa I can now look to a better future. And what is interesting is that their interest rate is low. Reviewed on: 28th March 2022

Easy convenient

Very easy to access account via the app quick efficient payment methods very informative. Colourful fun cards. High security. Reviewed on: 28th March 2022

Helping to get a to take a step forward

I have struggled in the past but int the past year Zopa has helped me to control my credit and learn to use responsibly and helping to increase my credit rating and spending power. Reviewed on: 28th March 2022

No fault zopa

Trust the bank and easy to use app on time text and emails and no faults at all Reviewed on: 28th March 2022

Great credit card

I have had no problems with the card the app is great for me keep up my payments Reviewed on: 28th March 2022

Love reminders to keep me on track!

Great service with clear and easy app to navigate around! Love the reminders as life does get hectic and has done, even more so over the past year for me. Reviewed on: 28th March 2022

Great bank and super easy to use

I got one of their cards to help build credit rating. Easy to use, easy to deal with Reviewed on: 28th March 2022

Amazing

Such an amazing provider! Great app, great service! Don’t be blinded by main stream providers, Zopa know what they are doing and do it very well! Reviewed on: 28th 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

Platinum Purchase Card
from TSB 2.25 from 8 reviews
Clarity credit card
from Halifax 4.22 from 266 reviews
Gold Credit Card
from American Express 4.74 from 25 reviews

Want to see more from Zopa?

Current account
from Zopa 4.94 from 5953 reviews
Cash ISA
from Zopa 4.94 from 1539 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