Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43505 reviews)

View other Zopa products

4.94

Based on 43,505 reviews, last reviewed 10th Apr 2026

156300% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Great credit builder and a good credit limit Great credit builder and a good credit limit Reviewed on: 10th April 2026

Latest lowest rating:

1

Schizophrenic lunatics I was unemployed last year for 5 months. I agreed a £25 per month payment plan with Zopa which was good at the time and should have ended in March 202... Read more Reviewed on: 9th 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 (43505)

I have never encountered an issue since I have had m...

I have never encountered an issue since I have had my credit card Reviewed on: 17th April 2025

Very approachable and clear

Very approachable and clear every time I contacted customer service Reviewed on: 17th April 2025

Just found it very easy to pay off what I'd spent on...

Just found it very easy to pay off what I'd spent on the card before it was due, which means that I don't have someone keep on reminding me that I owe money to. Reviewed on: 17th April 2025

Excellent

The zopa credit card is easy to use, and t didn't have any issues with card and I made shopping and the are accepted and shop that I decided to buy. Reviewed on: 17th April 2025

Very easy to do business with.

Very easy to do business with. Very transparent. I've not had any issues. Love the correspondence and the prompts you get about your account. Reviewed on: 17th April 2025

Great experience

Great experience and good service Reviewed on: 17th April 2025

Simply the best!

No complaints had my Zopa credit card for a while now and I wish I could say something derogatory about it but I can’t more than satisfied with it. Thank you. Reviewed on: 17th April 2025

Easy to apply

Zopa credit card is easy to apply for and timely in delivering the card to your house. I have no issues using them. I will recommend to others who don't like stress and want to build their credit history. Reviewed on: 17th April 2025

It's good to have a backup card these days,even thou...

It's good to have a backup card these days,even though it's rarely used and I'm not put under any pressure to use the zopa card.i think if credit increases were offered more for excisisting customers would be a good thing aswell,as I've not had one Reviewed on: 17th April 2025

just very happy with everything easy to use ide reco...

just very happy with everything easy to use ide recommend to anyone Reviewed on: 17th April 2025

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 3.06 from 120 reviews
Credit card
from The Co-operative Bank 2.92 from 35 reviews
Credit card
from Yonder 4.97 from 948 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1539 reviews
Current account
from Zopa 4.94 from 5954 reviews
Personal loan
from Zopa 4.94 from 68053 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