Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43506 reviews)

View other Zopa products

4.94

Based on 43,506 reviews, last reviewed 11th Apr 2026

156350% increase in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Fair interest rate and credit limits Their credit card is great to use with fair interest rates and credit limits. Having this helped me get access to other products. Easy to use app Reviewed on: 11th 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 (43506)

Just a really helpful team of staff

Just a really helpful team of staff Reviewed on: 17th April 2025

Star cimpany

Always informative and their to help, always listen to cusomer needs. Reviewed on: 17th April 2025

Very user friendly in todays world

Very user friendly in todays world Reviewed on: 17th April 2025

Zopa good

The company are always there if needed but I've been lucky not need any Reviewed on: 17th April 2025

Zopa is very easy to use and easy to access them.

Zopa is very easy to use and easy to access them. Reviewed on: 17th April 2025

Helped me build my credit from poor to good in a sho...

Helped me build my credit from poor to good in a short period of time Reviewed on: 17th April 2025

Gave me credit when struggling to get it from anywhe...

Gave me credit when struggling to get it from anywhere else been great for building my score, also offered good rates on finance for a new car a few years back. Reviewed on: 17th April 2025

I have experienced no problems with Zopa and always...

I have experienced no problems with Zopa and always know how my credit balance Reviewed on: 17th April 2025

Was a card I didn’t expect to get but was happy when...

Was a card I didn’t expect to get but was happy when I did plus very prompt delivery of card Reviewed on: 17th April 2025

Everything is transparent and easy to understand.

Everything is transparent and easy to understand. Mobile app very easy to use and able to use when suitable to myself. It is easy and great for building up your credit score. It helps you to manage your credit as well. 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

Opus Credit Card
from NewDay 5.00 from 3 reviews
Classic Credit Card
from Capital One 4.07 from 285 reviews
Flex Purchase credit card
from Monzo 4.97 from 3126 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 68054 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