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

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

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)

Safe, secure and simple

The application process was straightforward and easy to understand. I was given a credit limit suitable to my current circumstances. This is reviewed on a regular basis but will only increase if the company is satisfied my circumstances warrant an increase. The credit card app is very secure using secure login and biometric login to ensure my privacy. All round a very good company and an excellent card offering superb service and customer experience Reviewed on: 15th February 2021

Excellent from start to finish

Such an easy & simple procedure from start of application to finish. Excellent interface & very quick service. Highly recommend Reviewed on: 15th February 2021

Great services, never had any issues

Good customer service promptly delivered cardv Reviewed on: 15th February 2021

Easy app, multiple options

Loving it! App works womder. Can freeze card. Set some amount aside etc Reviewed on: 15th February 2021

Zopa card: AMAZING

Amazing card with awesome benefits Reviewed on: 15th February 2021

Simple!

I have found the whole process simple. Making extra payments is easy and it appears in my account immediately. I couldn’t recommend them enough! Reviewed on: 15th February 2021

So. Simple.. Its the best

It is just so quick and simple to set up. And there is no jargon it is explained so that it is easy to understand. Every time you use the card you will get a text message to say how much and where. Also the app is easy to use Reviewed on: 15th February 2021

Experience

Excellent service information about your account is right up to date with informing you of what you’ve spent and your balance Reviewed on: 15th February 2021

Give me help when I needed it

I have £200 limit which I could do with a higher one Reviewed on: 15th February 2021

Great service

Amazing customer awareness with an understanding of current 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

123 credit card (discontinued)
from Santander 3.97 from 162 reviews
Credit card
from ASDA Money 2.61 from 104 reviews
Credit card
from HSBC 3.07 from 122 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.95 from 69067 reviews
Cash ISA
from Zopa 4.94 from 1546 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