Write a review

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.93 (41972 reviews)

View other Zopa products

4.93

Based on 41,972 reviews, last reviewed 18th Feb 2026

167000% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Great team and easy to use app. Great team and easy to use app. Super easy to sign up and everything is very straightforward. Reviewed on: 18th February 2026

Latest lowest rating:

1

My credit card has been frozen due to suspicious act... My credit card has been frozen due to suspicious activity, I've checked my statement and nothing looks off, tried to get hold of Zopa all weekend with... Read more Reviewed on: 13th October 2025

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 (41972)

Quick and easy to apply for and easy to keep track o...

Quick and easy to apply for and easy to keep track of what you spend Reviewed on: 15th January 2026

Reasonable rates good comunications

Reasonable rates good comunications Reviewed on: 15th January 2026

Peace of mind

The process from application to receiving the card and guidance while using the card offers peace of mind Reviewed on: 15th January 2026

I recommend zopa

Easy to apply and easy to use the app has lots of features Reviewed on: 15th January 2026

Zopa Excellence

Always kept up to date with their account information Reviewed on: 15th January 2026

Always been helpful, have been friendly and polite.

Always been helpful, have been friendly and polite. Reviewed on: 15th January 2026

I applied for the card and within 2 weeks I had rece...

I applied for the card and within 2 weeks I had received and started using g my new card Reviewed on: 15th January 2026

Excellent really easy to use and pay

Excellent really easy to use and pay Reviewed on: 15th January 2026

Thanks it’s very nice and help me allot

Thanks it’s very nice and help me allot Reviewed on: 15th January 2026

When I applied for my credit card,the process was sm...

When I applied for my credit card,the process was smooth and straightforward. The starting rate was good as well. Security is good when you forget the password, they send a verification code to your mobile. When paying the balances it clears immediately other than waiting for hours. I love it Reviewed on: 15th January 2026

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 American Express 4.36 from 125 reviews
Initial Credit Card
from Barclaycard 4.01 from 118 reviews
Avios Rewards Credit Card
from Lloyds Bank 3.99 from 60 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1454 reviews
Current account
from Zopa 4.94 from 5802 reviews
Smart Saver
from Zopa 4.94 from 7494 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