Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44342 reviews)

View other Zopa products

4.94

Based on 44,342 reviews, last reviewed 10th May 2026

36% increase in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Handyman Very handy and easy to use i would recommend this card to anyone Reviewed on: 10th May 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 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 (44342)

Easy

Easy to.make.a.payment and its instant Reviewed on: 28th March 2022

Easy to use as it is to spell zopa

Had a loan first then use there credit card now everything fast and up to date straight away Reviewed on: 28th March 2022

Top App

Very smart and easy to use the best bank Reviewed on: 28th March 2022

Trust.

I have held a zopa account for six months with a limited credit amount of £600. I understand that the customer must build trust with the provider however, I would argue, regardless of credit rating the provider must also learn to trust their customers. No person intentionally enters into dept and will do their up most maintain a good relationship with the agency's. I feel however, the lack of trust from zopa has restricted the credit limit they have provided me. I use credit for monthly spending and clear balances every month, however with this lower limit it appears that my utilisation of credit is above 30% every month for this account, something I do not appreciate being portrayed to other credit agency. I therefore do not currently use this account. I do appreciate the simplicity of the service and that they offer other capabilities such as the saving account but due to the restricted credit limit I have given a lower rating. Would advise a more in-depth customer rating that is not solely based on credit score. Reviewed on: 28th March 2022

Straight forward to use and excellent service

The app is so simple to use and customer service is too class. A responsible lender who keep you updated on credit score etc Reviewed on: 28th March 2022

Best Bank Ever

I have had this credit card and it’s the best one I have ever had!!! Best customer service aswell Reviewed on: 28th March 2022

Amazing service

Best credit card and automatically increased my credit limit Reviewed on: 28th March 2022

On track

Leads to improving credit file when guidelines are followed. Reviewed on: 28th March 2022

Excellent credit card

Applied for the Zopa credit card I was accepted and got my card within 3 days excellent customer services could not do enough to help me highly recommend this card Reviewed on: 28th March 2022

Excellent customer service and advice for your credit score

I would like to say that Zola are No1 for the customer, they listen and they help you all the way excellent service right from the start 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

Premier Credit Card
from HSBC 3.81 from 20 reviews
Everyday Credit Card
from Creation 2.72 from 20 reviews
Credit card
from first direct 4.13 from 26 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1545 reviews
Personal loan
from Zopa 4.95 from 69082 reviews
Current account
from Zopa 4.93 from 6589 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