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

94%

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)

Good card

Lower interest rate vs similar cards Reviewed on: 26th January 2022

Easy to use great customer service w

Always a pleasure to contact. App is the best yet ans payments are instant Reviewed on: 26th January 2022

great card and easy to understand

it is a great card and the app makes it easy to to pay and understand how it works . it is unlike any other card 5 stars all the way Reviewed on: 26th January 2022

Brilliant app/service

Great straightforward app works so well love it Reviewed on: 26th January 2022

Amazing and easy to use

Nest credit card I have simple and easy to apply and the app is the best one yet Reviewed on: 26th January 2022

Excellent

Couldn’t have gone with a better credit card company, Zopa is the way forward it is the future very clear with information when needed on the app excellent service happy to be onboard!!! Reviewed on: 26th January 2022

10

Affordable and very flexible, i enjoys using my Zopa Credit card as it makes me know my spending. Reviewed on: 26th January 2022

Better than expected

Was a very simple application and was processed very quickly. It does what it says on the tin with no hidden charges or extras plus plenty of benefits and they also do other lending for example loans and car finance aswell as savings account what more could you want ? Reviewed on: 26th January 2022

ZOPA IS NUMBER ONE

Credit card is fair and gives credit to those who have had a difficult past and allows you to rebuild your credit it's just brilliant and the app is extremely useful big thanks to ZOPA Reviewed on: 26th January 2022

Excellent service

I think it is absolutely amazing that you get the chance to spread your cost its helped out a lot xx 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 Luma 4.00 from 2 reviews
Credit Card
from Ocean Finance 3.98 from 21 reviews
Cashback Plus Credit Card
from RBS 4.08 from 8 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