Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.93 (41972 reviews)

View other Zopa products

4.93

Based on 41,972 reviews, last reviewed 18th Feb 2026

167000% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Great team and easy to use app. Great team and easy to use app. Super easy to sign up and everything is very straightforward. Reviewed on: 18th February 2026

Latest lowest rating:

1

My credit card has been frozen due to suspicious act... My credit card has been frozen due to suspicious activity, I've checked my statement and nothing looks off, tried to get hold of Zopa all weekend with... Read more Reviewed on: 13th October 2025

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 (41972)

Helpful

Zopa are one of the few credit companies that have given me a chance & allowed me to grow my credit. Their app is great and I like that when I clear my balance it shows immediately Reviewed on: 26th January 2022

Good

Good information easy to use kept well updated Reviewed on: 26th January 2022

Very helpful and efficient

Zopa is a brilliant company. It’s helped me when in need and the customer service is brilliant Reviewed on: 26th January 2022

Great to maintain and easy to use

Great to maintain and easy to use the App. Although it is new and some tech issues the app is easy navigate. I have no issues Reviewed on: 26th January 2022

Great

When I came across this site I didn't expect to get the card I was surprised when they said yes Reviewed on: 26th January 2022

Zopa credit card app

Easy to use app payments credited immediately very good Reviewed on: 26th January 2022

The easy and useful credit card/builder

What a great card and app. Very easy to control and well organised to help with keeping within your limits and helping to build a better credit history. Reviewed on: 26th January 2022

1st always.

Gave me a credit card and chance to show how good I could be when others wouldnt.Thank you. Reviewed on: 26th January 2022

Great experience

I have found Zopa to be a very easy and fair company to deal with. They have an excellent customer service team who are very knowledgeable and eager to help.I would definitely recommend them. Reviewed on: 26th January 2022

Clear & Easy

Everything is in plain English and is easy to understand, making payments on my balance could not be easier and the app makes monitoring my spending a very simple thing to do. Consumer friendly, which is quite often not what businesses achieve these days, but Zopa certainly has! Reviewed on: 26th 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

Choice Rewards Credit Card
from Lloyds Bank 4.03 from 13 reviews
Student Credit Card
from NatWest 4.31 from 6 reviews
Credit card
from HSBC 3.04 from 118 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1454 reviews
Current account
from Zopa 4.94 from 5760 reviews
Smart Saver
from Zopa 4.94 from 7494 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