Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44337 reviews)

View other Zopa products

4.94

Based on 44,337 reviews, last reviewed 21st Apr 2026

38% increase in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

I have had no issues at all never had to contact cus... I have had no issues at all never had to contact customer service Reviewed on: 21st April 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 (44337)

Good credit card

Easy to use and when you top up your card pay your bill it gets credited straight away Reviewed on: 25th January 2022

Affordable payments

Zopa is a great card and interest is not as high as others, started me with a manageable credit limit and payments are very affordable. Reviewed on: 25th January 2022

I love zopa!

Great app and a great card all round. Reviewed on: 25th January 2022

Best credit card!

After having a blip in my credit file I struggled to get a credit card, I could get loans and hp but not a credit card. I applied with zopa and was accepted strict away with an affordable credit limit. I've since had two increases and it is helping my credit score! Top notch Reviewed on: 25th January 2022

Just easy

Easy card to manage and payments are processed instantly. Swift smart and I love the card! Reviewed on: 25th January 2022

Brilliant service

Would highly recommend to anyone brilliant service and easy to use the app Reviewed on: 25th January 2022

Fantastic service with fast updates on spending

At last a service where once you pay you credit bill it appears instantly instead of 3/4 days plus to appear. Already recommended to friends. Reviewed on: 25th January 2022

Easy use

Easy to use the app., all the information about your account on view . Also lots of money saving offers . Well worth it . Reviewed on: 25th January 2022

Very easy and low cost card

Very easy application and card to use. I had a limit increase very soon after getting my card. Will recommend Reviewed on: 25th January 2022

Brilliant

Brilliant card fast and easy payments Reviewed on: 25th 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 American Express 4.38 from 126 reviews
Credit card (discontinued)
from Tandem 4.66 from 358 reviews
Credit builder credit card
from Vanquis 4.78 from 19912 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1545 reviews
Personal loan
from Zopa 4.95 from 69077 reviews
Current account
from Zopa 4.93 from 6583 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