Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.93 (42969 reviews)

View other Zopa products

4.93

Based on 42,969 reviews, last reviewed 7th Mar 2026

261800% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Easy to apply and easy to use. Easy to apply and easy to use. A very positive experience. Reviewed on: 7th March 2026

Latest lowest rating:

1

Excellent my credit was not good zopa gave a credit... Excellent my credit was not good zopa gave a credit card Reviewed on: 6th March 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 (42969)

Fair easy and good service

Easy to deal with fair and understanding Reviewed on: 15th February 2021

Easy and simple modern card

Great easy to use card with easy online access and easy to pay outstanding balance online or on the phone app. Reviewed on: 15th February 2021

Yes I would recommend

Very good condition and very good quality Reviewed on: 15th February 2021

reliable

had not a great credit rateing but this bank was willing to give me a chance i will not let them down for that Reviewed on: 15th February 2021

Fantastic company, quick & efficient

First class company, very organised and efficient! Reviewed on: 15th February 2021

Clarity

Love the simplicity of the app, clear concepts with a good level of support and client based credit, never lend more than you can afford. Reviewed on: 15th February 2021

Quality . Easy to manage

Great app. Updates and budget features as standard. Reccomended.. Reviewed on: 15th February 2021

I'm looking forward for the future with your company

So good getting back by email and top class customer service Reviewed on: 15th February 2021

Easy and simple app to check statements and pay bills. Great staff too

Have nothing but great thing to say about zopa credit card and the staff are always on hand for any queries Reviewed on: 15th February 2021

A new credit card, which works for the working people

I came across Zopa, while trying to find an non main street, financial organisation, who would, give people a chance to re build or get on the credit ladder, updates explaining the utilization of credit card use, paying as little of as much and as often as you can afford to pay back, low rates, low interest, well worth a try to build or rebuild up credit ratings. I have had my card almost 2yrs now, was so happy to be accept, not a build limit given, a realistic limit, one that can be worked with for my financial status, informing regularly with financial updates and using my card. Thanks for working with the people and there circumstances. Reviewed on: 15th February 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 Card
from American Express 4.36 from 125 reviews
Credit card
from Yonder 4.96 from 663 reviews
Credit card (discontinued)
from Tandem 4.66 from 358 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1487 reviews
Current account
from Zopa 4.94 from 5848 reviews
Smart Saver
from Zopa 4.94 from 7752 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