Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44333 reviews)

View other Zopa products

4.94

Based on 44,333 reviews, last reviewed 19th Apr 2026

40% 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

Very efficient service Very efficient service. Application works well Reviewed on: 19th 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 (44333)

Quick and Easy

Great way to allow me to build my credit rating. Straightforward and no hassle Reviewed on: 15th February 2021

Quic and easy

Quick credit card to arrive easy to use app Reviewed on: 15th February 2021

World Class

Quick to apply, fair when judged, unrivalled client experience Reviewed on: 15th February 2021

Good credit builder

When nobody else would zopa did, thanks, I'll never miss a payment Reviewed on: 15th February 2021

FM

Is the best company for a service of credit card Reviewed on: 15th February 2021

Superb

Easy from start to finish and extremely fair. Thankyou. Reviewed on: 15th February 2021

Great process, easily to understand

As a modern day bank experience this is truly excellent. What let's it down is the high percentage interest. Compared to others. Not the highest but not the lowest either. The amount of additional features offered is impressive, and very valuable. I look forward to using and seeing how my experience pans out over the longer term Reviewed on: 15th February 2021

Easy and safe

Great app and good service. Looking forward to my credit increase soon as the card starts with a low allowance Reviewed on: 15th February 2021

Zopa credit card

Been excellent from applying to being accepted excellent service and easy to use and pay would deffo reccomend Reviewed on: 15th February 2021

Zopa provides an excellent service to me as a user

Excellent service provided. Fantastic mobile app service. Able view and see transactions in an instant. Customer services are excellent. Will highly recommend Zopa. 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

Avios Credit Card
from TSB 3.20 from 19 reviews
Clear Rate Platinum Credit Card
from NatWest 3.85 from 19 reviews
Aqua credit cards
from NewDay 4.89 from 3308 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.95 from 69074 reviews
Cash ISA
from Zopa 4.94 from 1546 reviews
Current account
from Zopa 4.93 from 6572 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