Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44349 reviews)

View other Zopa products

4.87

Based on 44,349 reviews, last reviewed 21st Jul 2026

99% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Excellent credit card I didn’t have any problems Excellent credit card I didn’t have any problems Reviewed on: 21st July 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026

Read all reviews See your 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.

Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44349)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

very easy to apply generous credit limit and lets yo...

very easy to apply generous credit limit and lets you feel completely in control Reviewed on: 15th January 2026

Highly recommend

Great credit card with an easy-to-use app, clear fees, and smooth payments. Reliable and simple to manage. Highly recommend. Reviewed on: 15th January 2026

Very helpful easy to navigate, excellent service

Very helpful easy to navigate, excellent service Reviewed on: 15th January 2026

Very good and no pressure.

Very good and no pressure. I have had a very positive experience with Zopa. Reviewed on: 15th January 2026

Really great credit card any problems they sort it o...

Really great credit card any problems they sort it out straight away Reviewed on: 15th January 2026

Great experience very professional easy to use

Great experience very professional easy to use Reviewed on: 15th January 2026

I mist one payment due to the app confusion and I ha...

I mist one payment due to the app confusion and I have never mist any before. I got a fine was a bit harsh. Reviewed on: 15th January 2026

Lovely easy app to use everything is very clear woul...

Lovely easy app to use everything is very clear would highly recommended Reviewed on: 15th January 2026

Been brilliant over the last year and zero abroad ch...

Been brilliant over the last year and zero abroad charges are a bonus Reviewed on: 15th January 2026

Easy and simple to use

Only use my card occasionally but I have always had fantastic service and always paid what I have used when I get my statement it’s so easy and simple, I would recommend it to anyone who needs a credit cats Reviewed on: 15th January 2026

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

Classic Extra Card (discontinued)
from Capital One 4.08 from 6 reviews
Everyday Credit Card
from Creation 3.99 from 22 reviews
Credit Builder
from Chime 0.00 from 0 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69089 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Cash ISA
from Zopa 4.83 from 1546 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