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)

Excellent and straightforward

Very easy to use App covers all you need. Very happy Reviewed on: 7th April 2021

Great service

I have banked with Zopa for about 6 months now. They’re application process is easy and hassle free. They have a fantastic app that alerts you to transactions, you can set up a direct debit or pay directly though the app. I can say I’ve never had a problem with them at all Reviewed on: 7th April 2021

Great credit card

Brilliant provider Great app Total control of your card and finance Reviewed on: 7th April 2021

Life saver

I apply to this card when I was in a real struggle due to Covid And it saved my life, very easy to use very easy to manage I’ve had no problems at all Reviewed on: 7th April 2021

Brilliant!

Easy to apply and easy to understand when payments are due. Good layout. Reviewed on: 7th April 2021

Great

Great account to rebuild credit etc Reviewed on: 7th April 2021

Great Card

Easy to apply for good rates and app is great too Reviewed on: 7th April 2021

Very friendly

Very easy to use card and friendly and understanding and polite customer service Reviewed on: 7th April 2021

Fantastic product,app, and customer service

Zopa is a simple to use product with it’s app and customer friendly experience. Even payments are easy and fast. Once it joins Apple Pay it will be even better. Reviewed on: 7th April 2021

Brilliant

Zopa gave me a card when no one else would. I will always be grateful for that and definitely recommend them Reviewed on: 7th 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

Balance Plus
from Capital One 3.56 from 3 reviews
Credit card
from Zempler Bank 4.88 from 5174 reviews
Classic Credit Card
from Capital One 4.06 from 284 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1454 reviews
Current account
from Zopa 4.94 from 5779 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