Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43505 reviews)

View other Zopa products

4.94

Based on 43,505 reviews, last reviewed 10th Apr 2026

156300% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Great credit builder and a good credit limit Great credit builder and a good credit limit Reviewed on: 10th 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 (43505)

Great app. Great communication

The app is very easy accessible. Communication is promt and always upto date. Reviewed on: 7th April 2021

Easy to use App

Very easy to navigate the app and using the card is easy and safe ! Reviewed on: 7th April 2021

The best

With Zopa I had a very good experience . Is the best Reviewed on: 7th April 2021

Credit card

Had no problem with getting the credit card Reviewed on: 7th April 2021

Easy, informative, fabulous

This is the best card I have had, very informative very easy and just an overall easy card and app to use Reviewed on: 7th April 2021

Great

Zopa credit card are great they give you plenty of notice when a payment is due. Interest rates are good. Reviewed on: 7th April 2021

Lovley bank

Lovley customer service,very profesional Reviewed on: 7th April 2021

Great service

The card and app are brilliant for helping to manage your money Reviewed on: 7th April 2021

Brilliant card

Easy application and very fast on arrival Reviewed on: 7th April 2021

Easy always inform what you can improve on to get better credit

Gave me chance when my credit was not doing well 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

Choice Rewards Credit Card
from Lloyds Bank 3.94 from 13 reviews
Credit Builder
from Chime 0.00 from 0 reviews
Credit card
from first direct 4.13 from 26 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1539 reviews
Current account
from Zopa 4.94 from 5954 reviews
Personal loan
from Zopa 4.94 from 68053 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