Smart Money People Logo
Go to business site
Share this page
Link copied

Zopa: Credit card reviews

View other Zopa products
4.94
Based on 44,339 reviews, last reviewed 26th Apr 2026
36% increase in 5 star reviews
in the past 90 days
400% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
95%
See only 4 star reviews
5%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

It is easy to use and quick access It is easy to use and quick access Reviewed on: 26th April 2026
Lubna's avatar
Lubna

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026
Rita P's avatar
Rita P
Read all reviews See your 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.

Zopa Credit card reviews (44339)

Review of the Zopa, Credit card:

Zopa Credit Card

5
A great card to use but best of all they keep you informed of your spending straight away with an easy to use app Reviewed on: 26th January 2022
Michael 's avatar
Michael

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

5
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
Daniel M's avatar
Daniel M

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

5
I have experienced no problems with Zopa and always know how my credit balance Reviewed on: 17th April 2025
Steve F's avatar
Steve F

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

5
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
Pete's avatar
Pete

Everything is transparent and easy to understand.

5
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
Lynne Carruthers's avatar
Lynne Carruthers

Excellent

5
Excellent all round service, Value, helpful, efficient, professional. Reviewed on: 17th April 2025
Ray T's avatar
Ray T

Excellent

5
excellent easy ap to navigate and friendly staff good work Reviewed on: 17th April 2025
James H's avatar
James H

My experience with Zopa is very great

5
My experience with Zopa is very great Reviewed on: 17th April 2025
Doreen R's avatar
Doreen R

Credit card

5
Just excellent service never had any problems at all from setting up to spending on it Reviewed on: 17th April 2025
Carol G's avatar
Carol G

Had excellent experience so far everything is easy a...

5
Had excellent experience so far everything is easy and clear to use Reviewed on: 17th April 2025
Lisa H's avatar
Lisa H

credit card value

5
They have been first class in providing me with a credit card Reviewed on: 17th April 2025
ARTHUR C's avatar
ARTHUR C

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

Want to see more from Zopa?

  • Cash ISA

    from Zopa 4.95 from 1545 reviews
    Zopa

  • Personal loan

    from Zopa 4.95 from 69081 reviews
    Zopa

  • Current account

    from Zopa 4.93 from 6588 reviews
    Zopa
    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
    Man on beach

    News, guides and insight from our team

    View resource hub
    UK money news stories - 24 July 2024
    UK money news stories - 24 July 2024
    24th July 2024
    Posted in Money Talks by Errolyn Smith
    Your Money, Your Voice: Have your say
    Your Money, Your Voice: Have your say
    24th July 2024
    Posted in Our insights by Errolyn Smith
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    24th July 2024
    Posted in Our insights by Darryl Barkwill
    Consumer credit awards winners 2024
    Consumer credit awards winners 2024
    11th July 2024
    Posted in Awards by Darryl Barkwill