Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44332 reviews)

View other Zopa products

4.94

Based on 44,332 reviews, last reviewed 18th Apr 2026

44% 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

My experience with Zopa has been great. My experience with Zopa has been great. Easy to navigate around the app. And no issues with making repayments to my credit card. Reviewed on: 18th 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 (44332)

Great product

Fantastic APR, innovative app, and realistic limit Reviewed on: 22nd January 2022

Amazing

Good rates and easy to use and clear application process Reviewed on: 21st January 2022

Excellent company

Excellent customer service and support easy to use app Reviewed on: 20th January 2022

Excellent credit card

Reasonable rates, good tech support from one of the UKs smallest and newest banks. Reviewed on: 18th January 2022

No limit increased

I didn't have good experience with Zopa. I got £200 credit limit when I opened the account with them and they never increased my limited in the past 8 months. My credit score was always good and I also got 2 other credit cards which offered me higher credit limits and increased after 4 months. It was very disappointing, so I decided to close my account. Reviewed on: 27th November 2021

Excellent

Never never I have problems with Zopa customer services peoples are brilliant to sorting out any problems very happy for the service Reviewed on: 3rd September 2021

Brilliant

Good card treat customer service highly recommended by anyone especially me get this card now you won’t be disappointed Reviewed on: 24th June 2021

Ideal went bankrupt 3 years ago and these were the first people to offer me a credit card of 200

Brilliant so easy to use. Download the app from playstore and your ready to use your card. Reviewed on: 14th June 2021

So easy to use.

Quick results showing activity. Smart app. Friendly service. Reviewed on: 14th June 2021

Great service

great and easy card to use. was easy to set up and great security features. Reviewed on: 14th June 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

Choice Rewards Credit Card
from Lloyds Bank 4.19 from 14 reviews
Balance Transfer Credit Card
from Bank of Scotland 4.09 from 13 reviews
123 credit card (discontinued)
from Santander 3.97 from 162 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1546 reviews
Personal loan
from Zopa 4.95 from 69065 reviews
Current account
from Zopa 4.93 from 6565 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