Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44339 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

95%

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

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 (44339)

Not great

No Apple Pay and poor customer service for people with hearing impairments Reviewed on: 5th April 2025

Best credit card I have ever had.

Best credit card I have ever had. Credit amount just right for me Reviewed on: 5th April 2025

For balance to clear after payment is within minutes.

For balance to clear after payment is within minutes. Fastest credit card I know. Reviewed on: 5th April 2025

Superb and reliable.

Superb and reliable. So quick and low interest rate Reviewed on: 4th April 2025

I want to improve my credit rating

I was given a credit card I can controll my spending had no problems, hoping to improve my credit Rating in the future Reviewed on: 4th April 2025

I had very bad credit due to past relationship but...

I had very bad credit due to past relationship but Zopa offered me a credit card my credit score is going up so thank you for helping me much appreciated to you. Reviewed on: 4th April 2025

Just a great Bank

Great communication always ready to help and give non biased help Reviewed on: 4th April 2025

Not very high credit score.

Not very high credit score. Obtained a credit card from a different company. Was then recommended Zopa. Saved myself 10% onAPR.Sign up was easy card arrived in a couple of days. Easy to activate and to set up direct debit. Reviewed on: 4th April 2025

Although they've never upped my credit limit, I use...

Although they've never upped my credit limit, I use a few of their services because they're so good. I seem to trust Zopa more than any other card provider. Reviewed on: 4th April 2025

Zopa have given me a very positive experience allowi...

Zopa have given me a very positive experience allowing me to better my credit rating Reviewed on: 4th 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

Purchase credit cards
from MBNA 2.82 from 196 reviews
Flexicard
from Halifax 3.65 from 7 reviews
Cashback Plus Credit Card
from NatWest 4.43 from 66 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1545 reviews
Personal loan
from Zopa 4.95 from 69081 reviews
Current account
from Zopa 4.93 from 6587 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