Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43472 reviews)

View other Zopa products

4.94

Based on 43,472 reviews, last reviewed 12th Mar 2026

154750% 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

I've been using zopa for some time now. I've been using zopa for some time now. Gives me peace of mind, goof rates, app wotks very well, easy to navigate through and control your spending a... Read more Reviewed on: 12th 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 (43472)

Great card

Fantastic card, good customer service and support Reviewed on: 28th March 2022

Zopa

Good nice very good good good goo Reviewed on: 28th March 2022

Refreshingly simple

Easy to understand and navigate the website, quickly updated, excellent communication, clear and uncomplicated. Just a pleasure to use . Reviewed on: 28th March 2022

Zopa is a great lender and have helped me improve my credit score

They make the application process easy to understand and most credit types are expected. My personal credit score wasn't the best when I applied butvI was accepted with a low credit limit and after being with them for over 6 months it'd help build my credit rating so they offered an increase which was helpful. Definitely recommend Reviewed on: 28th March 2022

Excellent service

From the moment I applied I was given 100% attention, brilliant Reviewed on: 28th March 2022

Great Credit Card!

I use my Zopa card everywhere I go! Real time updates and instant payments when clearing your balance. I recommend this credit to anyone that needs to rebuild their credit & wants excellent customer service at the same time. Reviewed on: 28th March 2022

Great in everyway

Great customer service, not to long on the phone, get back straight away. Reviewed on: 28th March 2022

A responsible and responsive organisation

Zopa has in the past through loans and now through recent approvals of a credit card, kept me consistently (and in real time) up to speed with my spending. This is fantastic in itself but the APR is also more competitive than other banking organisations. As much as one can say… I do believe that there are some ethical foundations that are driving Zopa. I enjoy the simple and intuitive APP that immediately informs of a spend, what my credit availability is and holds a reserve fund for ‘unseen’ needs. Impressed so far. Reviewed on: 28th March 2022

Just makes the difference

Easy to apply for. Easy app easy to pay. Reviewed on: 28th March 2022

Easy to understand

The whole application process was extremely well informed and communicated. The app which I use to manage my card is full of features to help me maintain my credit. Very happy with Zopa. 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

Credit card
from Zempler Bank 4.88 from 5175 reviews
Clubcard credit cards
from Tesco Bank 4.00 from 326 reviews
Credit Card
from thinkmoney 1.40 from 2 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1535 reviews
Current account
from Zopa 4.94 from 5944 reviews
Smart Saver
from Zopa 4.94 from 8041 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