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

37% 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)

Great credit card

I took this credit card out as I needed to build my credit rating back up as it's not great. Fantastic and fast application service and received my card really quickly too. Accompanied by a super app that let's you do everything you need for your account and so easy to use. Reviewed on: 15th February 2021

Brilliant, very easy to use app

No hassle, easy to set up your account, and the app is very very easy Reviewed on: 15th February 2021

The Best Buy far

Happy with everything and would recommend zopa to my friends and family Reviewed on: 15th February 2021

Excellent Credit Card

easy to apply and easy to use Reviewed on: 15th February 2021

Absolutely fantastic

Amazing service.Thank you for the service you give and I know my limitations.Once again Amazing service Reviewed on: 15th February 2021

Great responsible lender

I got this card last year and I can honestly say that they are great at communicating and making sure you are financially safe they review your account monthly making sure you are within your limits cannot wait for them to become a bank as I will definitely join them Reviewed on: 15th February 2021

Keeps you informed of what you have spent

Every time you use your card it tells you so you will know if it has been stolen Reviewed on: 15th February 2021

Very Helpful

So far this Zopa credit card has really helped me at the very time of need. I am so greatful in addition it help to improve my credit history. Reviewed on: 15th February 2021

Great to build credit

Great for building your credit.. would highly recommend Reviewed on: 15th February 2021

Excellent Service You Can Use Anywhere

I have used Clearpay, Laybuys and Partially for years now, the only downside with those is that you cannot use them everywhere. Zopa gives you the freedom to spend safely and within your limits, but does not limit your choices. I feel secure using Zopa, it is simple to use and sign up and my only issue if I had one would be I wish I had found them sooner. A wonderful service which I would highly recommend. 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

Initial Credit Card
from Barclaycard 4.00 from 122 reviews
Instant pay
from Incredible 5.00 from 28 reviews
Avios Credit Card
from TSB 3.20 from 19 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 6585 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