Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

View other Zopa products

4.87

Based on 44,347 reviews, last reviewed 12th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Upon applying for a credit card with Zopa. Upon applying for a credit card with Zopa. I was able to navigate around the website easily to apply for a credit card. Reviewed on: 12th June 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 (44347)

The best experience with Zopa

Excellent customer service and a website full of information Reviewed on: 26th January 2022

Had no problems since ive started!

The app is brilliant never a problem with it compared to other credit card companies. Reviewed on: 26th January 2022

Great Card Zopa

Everything about this Card is perfect love my Zopa card Reviewed on: 26th January 2022

Gave me hope

Zopa have been amazing! My credit history has not been great and in all honesty applied on a whim and to my surprise was approved for a credit card. By having the additional cash has really helped with managing my finances and has given me hope in rebuilding my credit score whilst learning to borrow sensibly. I love that if you pay back early there are no interest fees which makes me want to pay back earlier each month. The application process was super slick and simple to use and my card arrived way earlier than anticipated. Highly highly recommend to anyone who is looking for an easy hassle free solution! Reviewed on: 26th January 2022

Very good

I am happy with Zopa. I had a good experience with them Reviewed on: 26th January 2022

Excellent quality service

Excellent quality service with people Reviewed on: 26th January 2022

My review

Zopa are a fair and listening company, their credit card was simple to apply for and decision was instant so i would recomnend them very highly to anyone, other banks dont give people with credit history that isnt perfect a fair hearing, so thats why i very highly recommend zopa. Reviewed on: 26th January 2022

Excellent service

Issued me with a credit card with a manageable limit and I couldn't be more delighted with the app, recommend 100% Reviewed on: 26th January 2022

Great service

I have had great service and use of my account with zopa, and thoroughly recommend them for others to use. Reviewed on: 26th January 2022

Amazing

Zopa have given me a chance to start improving my credit rating when no one else would. Amazing and very easy to set up and manage 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

Credit card
from Zempler Bank 4.83 from 5819 reviews
Credit card
from Luma 4.00 from 2 reviews
Credit builder credit card
from Vanquis 4.73 from 28661 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69090 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Cash ISA
from Zopa 4.84 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