Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43386 reviews)

View other Zopa products

4.94

Based on 43,386 reviews, last reviewed 9th Mar 2026

150800% 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

Banking made easy. Banking made easy. I am very happy with Zopa loan service. The credit card given to me is value for money Reviewed on: 9th 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 (43386)

Very good bank

Helpful credit card to built up credit score Reviewed on: 27th January 2022

It's easy to use and good

I have been with Zopa for some time now and they always send me a text if I am nearing my credit limit. I would strongly recommend them to friends Reviewed on: 27th January 2022

Simple and straightforward.

Like my review title says. I am not too clever with apps etc. But Zopa is the easiest I have used. They are fantastic to deal with and keep you informed about what you are spending. Payments made are incredibly quick to reach your funds. I am really pleased I chose this for my credit card. Reviewed on: 27th January 2022

Amazing

Easy amazing customer service I like how app work Reviewed on: 27th January 2022

Reliable and easy to use service

I got approved quickly and the process was efficient and easy. I would have no hesitation recommending this service! Reviewed on: 27th January 2022

Zopa is straightforward

easy to keep track online totally satisfied Reviewed on: 27th January 2022

Easy, Simple, Smart Banking App

Easy to use, a great credit card to have for them small emergencies. Reviewed on: 27th January 2022

Quality of service

Impressive quality of service and manageable repayments Reviewed on: 27th January 2022

Best card

Best card I’ve had up to date definitely would recommend Reviewed on: 27th January 2022

Great Credit Card

Great Credit Card, card arrived on time, was able to use straight away, and simple Reviewed on: 27th January 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

Initial Credit Card
from Barclaycard 4.01 from 118 reviews
Clear Rate Platinum Credit Card
from NatWest 4.51 from 18 reviews
Credit cards
from Virgin Money 3.84 from 802 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1530 reviews
Current account
from Zopa 4.94 from 5912 reviews
Smart Saver
from Zopa 4.94 from 8010 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