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

What is this award?

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (41972)

Easy to use

Simple effective and easy to use. Reviewed on: 15th April 2021

Great and efficient

Signed up for a credit card. Received it in the post within a few days. Very quick and efficient. Love the app as a way of controlling my account Reviewed on: 15th April 2021

Excellent service from a fantastic card company

I have always been updated on how to manage my card my expenses and as a bonus to improve my credit score Reviewed on: 15th April 2021

Reliable

Flexible and reliable credit that suits customer needs Reviewed on: 15th April 2021

good service

very good service and good interest rate Reviewed on: 15th April 2021

The best

Bad experience, I'm sorry guys but I still can't to use my credit card Reviewed on: 15th April 2021

Easy onboard, great app

I got my credit card via being made eligible from Credit Karma. Hit ‘offers’ in credit Karma, saw I was eligible, transferred to Zopa, completed application and got response straight away.....took about 10 minutes which was great! App account was set up straight away which was fantastic! Credit card arrived within 3 days....even better! App has great feature to advise if you’re eligible for a loan and uses iconography (happy/sad faces) based on credit report so easy to get a view and no jargon. All in all it’s was just very straightforward, quick and got all I needed in less time than I expected Reviewed on: 15th April 2021

Smart, handy and fair

I've found zopa to be a great little card to help with those purchases needed till payday with fair rates and all round great customer service and the app just makes it easier to use and understand Reviewed on: 15th April 2021

Simple and good

Simple and good. No fuss and straight forward to understand. They also give some nice info on things. Reviewed on: 15th April 2021

Review

I have worked all my life and had my own business until recently when I hit rock bottom I had barely any money to pay bills or even feed my children when zopa stepped in and helped they said yes made payments controllable and affordable for me and kept me going until my situation changed which thankfully it has Reviewed on: 15th April 2021

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 cards
from Virgin Money 3.84 from 802 reviews
Instant pay
from Incredible 5.00 from 28 reviews
Credit card
from Post Office 2.23 from 111 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1454 reviews
Current account
from Zopa 4.94 from 5521 reviews
Smart Saver
from Zopa 4.94 from 7490 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