Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43506 reviews)

View other Zopa products

4.94

Based on 43,506 reviews, last reviewed 11th Apr 2026

312800% increase in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Fair interest rate and credit limits Their credit card is great to use with fair interest rates and credit limits. Having this helped me get access to other products. Easy to use app Reviewed on: 11th April 2026

Latest lowest rating:

1

Schizophrenic lunatics I was unemployed last year for 5 months. I agreed a £25 per month payment plan with Zopa which was good at the time and should have ended in March 202... Read more Reviewed on: 9th 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 (43506)

Zopa is just brilliant

Zopa has helped me in the time of need when noone ellse would, its amazing how quick and effortless everything was within no time I was up and running and having fun when I thought I was going to slip into a depresive state of mind no being able to do things to get back on my feet. Reviewed on: 26th January 2022

Efficient

Great for peple who want to build credit Reviewed on: 26th January 2022

easy to use app. text information always sent which helps with me looking after my account

Just find the app and the communication from Zopa very easy. Reviewed on: 26th January 2022

Perfect to help build up credit score

Always nice to have a company who doesn't add pressure or constantly hound you with calls and emails. Zopa is very easy to use, and is helping me to build up my credit score. Reviewed on: 26th January 2022

Easily the best

I have had several credit cards over the years and Zopa is by far the best. Right from Application, account management, notifications and product offering. Its nice to deal with businesses that put technology and banking together in a user friendly and logical way! Reviewed on: 26th January 2022

Excellent

Easy to use Apps, customer service very helpful. Reviewed on: 26th January 2022

Fantastic

Really helped me, easy and simple to us it's fantastic Reviewed on: 26th January 2022

Excellent service.

Very good service &, app is very simple to use to keep track of everything. Would definitely recommend. Reviewed on: 26th January 2022

Amazing company

I struggled to build my credit due to previous history and Zopa were the first to allow me credit. They have been helpful from the start and any issues I know will get sorted quickly. They make sure the amount offered is affordable and I feel that if I were to struggle to repay They would help me in any way they could. Would definitely recommend them to friends and family and already have recommended a few work colleagues Reviewed on: 26th January 2022

The best

Everything about Zopa is the best , their charges , apps and payment are really on point , I will recommend it anytime 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

Aqua credit cards
from NewDay 4.89 from 3307 reviews
Flexicard
from Halifax 4.57 from 5 reviews
Instant pay
from Incredible 5.00 from 28 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1539 reviews
Current account
from Zopa 4.94 from 5956 reviews
Personal loan
from Zopa 4.94 from 68054 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