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

44% 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)

Great card

Great card easy to use . I would tell my friends and family about it. Reviewed on: 15th February 2021

Excellent card

Easy to use app. Payments show instantly. Great customer service! Reviewed on: 15th February 2021

What's not to love!

Ethical, secure, straightforward to use and great communication! What's not to love! Reviewed on: 15th February 2021

Excellent

Overall excellent from applying to reieving card and starting to use. Reviewed on: 15th February 2021

Friendly staff

Friendly staff ,simple and easy application to manage money. Reviewed on: 15th February 2021

Highly Recommended

Super fast and helpful service. Easy to apply. Good value credit. Reviewed on: 15th February 2021

Second chance!

After a bad spell with credit in my younger days! I spent a lot of time trying to re build it, after seeing my score go up, one month, it would drop just as much then next! As I owed no money, and had no credit! Due to the previous poor use I couldn’t get credit! So it was a cycle I could not break, until Zopa! They appeared and I took a chance and applied, to which they took a chance on me! And now I’m watching my score rise each month. I’m so grateful to Zopa, they’ve given me a chance to be on my way to improving my score in hopes to get a mortgage in the future. Reviewed on: 15th February 2021

Brilliant customer service

Zopa was one of best credit card companies that I would recommend for everyone. Reviewed on: 15th February 2021

Amazing at being in control.

Zopa have provided a top service with an amazing app so you can log in and check your depending. It’s been a fantastic experience being with Zopa. Reviewed on: 15th February 2021

zopa yay.......

had trouble obtaining credit my score was not bad but not great either zopa helped me out with a credit card and also its a site to help you with a mixture of things including your credit score could not rate them highly enough thank you 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 HSBC 3.07 from 122 reviews
Credit card
from M&S Bank - Marks and Spencer 2.97 from 195 reviews
Credit card
from first direct 4.13 from 26 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1546 reviews
Personal loan
from Zopa 4.95 from 69065 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