Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44329 reviews)

View other Zopa products

4.94

Based on 44,329 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:

4

Using since more than 6 months still i haven’t got e... Using since more than 6 months still i haven’t got extra credit limit i don’t know why while other cards are offering limit increase just zopa is not ... Read more 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 (44329)

My starting credit limit is low.

My starting credit limit is low and it's yet to be increased. Zopa will get a 10/10 and 5 star from me when they increase my credit limit. Reviewed on: 17th April 2025

Apps so easy to use and keep a check on what you spe...

Apps so easy to use and keep a check on what you spend, very good service Reviewed on: 17th April 2025

Simple and easy.

Simple and easy. I recommend it to my husband and he applied got it and enjoyed Reviewed on: 17th April 2025

I have found Zopa bank very helpful

I have found Zopa bank very helpful professional and understanding of its customers problems and assists them in anyway they can especially in there finnances and loans Reviewed on: 17th April 2025

Easy online use and interest not expensive at all co...

Easy online use and interest not expensive at all compared to most credit cards. Reviewed on: 17th April 2025

Helped me no end.

Helped me no end. Easy, friendly. No stress. Only CC company i can trust. Reviewed on: 17th April 2025

Simple, Transparent and Fast!

I’ve been using the Zopa credit card for a few months now and it’s been a great experience. The app is user-friendly and gives me full control over my spending and repayments. I really like how transparent the fees are – no hidden surprises. Customer service has been responsive the couple of times I reached out. Overall, it feels like a modern credit card for people who want clarity and control. Reviewed on: 17th April 2025

It's help for you anytime.

It's help for you anytime..thanks zopa Reviewed on: 17th April 2025

My experience with ZOPA

Easy to use flexible and easy to use. Excellent service and friendly service. Reviewed on: 17th April 2025

Friendly customer service.

Friendly customer service. App is simple to use giving you all the information you may need. 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
Freedom Rewards Credit Card
from Barclaycard 3.90 from 61 reviews
Balance Transfer Credit Card
from Halifax 4.56 from 63 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1545 reviews
Personal loan
from Zopa 4.95 from 69060 reviews
Current account
from Zopa 4.93 from 6556 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