Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

View other Zopa products

4.87

Based on 44,347 reviews, last reviewed 12th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Upon applying for a credit card with Zopa. Upon applying for a credit card with Zopa. I was able to navigate around the website easily to apply for a credit card. Reviewed on: 12th June 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 (44347)

Great money building credit card

Great money building credit card Reviewed on: 15th April 2026

Great company.

Great company. Wish my credit limit would increase though Reviewed on: 15th April 2026

great experience helpful when i need and straightfor...

great experience helpful when i need and straightforward no jargon when dealing with me Reviewed on: 15th April 2026

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

Great credit builder and a good credit limit

Great credit builder and a good credit limit Reviewed on: 10th April 2026

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 2026. I made all these payments on time. In February 2026, they then reneged on the arrangement and they said why have you gone into arrears? They then asked me to pay around £225 to make up the arrears. Then they whacked 5 missed payments onto my credit report and this sent my credit report down from 570 down to about 410 in one move. I had been spending the last 6 months building up my credit score by making regular payments with my creditors, but Zopa knocked 160 points off in one move, which will take another 6 months to build back up. They then cancelled the credit card. All this was done before my arrangement was going to come to an end on March 26th. Reviewed on: 9th April 2026

Excellent online service, resolved all issue through...

Excellent online service, resolved all issue through chatting. Low interest rates, I pay 50% less compared with other credit companies with similar borrowed amount. Best credit card. Reviewed on: 30th March 2026

Transparent lender

They have been a great company to deal with. Everything is explained in plain English. Their offers are clear and when you speak to their staff they are knowledgeable. Reviewed on: 24th March 2026

Top company.

Top company. Excellent firm to deal with. Reviewed on: 24th March 2026

Excellent,quick response,card arrive quick

Excellent,quick response,card arrive quick Reviewed on: 24th March 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

Avios Rewards Credit Card
from Lloyds Bank 4.16 from 60 reviews
Purchase Credit Card
from Halifax 3.48 from 19 reviews
Credit Card
from Shop Direct 4.23 from 6 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69090 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Cash ISA
from Zopa 4.84 from 1546 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