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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44350 reviews)

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4.87

Based on 44,350 reviews, last reviewed 22nd Jul 2026

99% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

very nice service i like zopa all service i love zop... very nice service i like zopa all service i love zopa bank and very quick any problem slow great work i refer to my friends Reviewed on: 22nd July 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026

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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.

Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44350)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

Zopa credit card is a low-fee credit card that offers competitive cashback rewards and flexible payment options. It is a good option for those looking for a simple and affordable credit card.

"I recently applied for and received a Zopa credit card and I couldn't be happier with the experience. The application process was smooth and easy, and I received a decision within minutes. The card itself has great benefits, such as cashback on purchases and no foreign transaction fees. The online portal is user-friendly and allows me to easily manage my account and payments. I also appreciate the security features, such as the ability to freeze my card if lost or stolen. Overall, I highly recommend the Zopa credit card for anyone looking for a reliable and rewarding credit card option." Reviewed on: 11th April 2023

Credit card cost and quality

Reasonable interest rates and clear and straightforward guidelines Reviewed on: 11th April 2023

Best credit card provider

Zopa are great at Lee you updated on your current credit status & will not upgrade the amount until they think you are ready Reviewed on: 11th April 2023

Easy to apply

Very easy to apply and the app is easy to use. Everything you need in a visa Reviewed on: 11th April 2023

Zopa credit card

Very easy to set up and use , no big waiting time for you to speak to a person at the end of a phone , Reviewed on: 11th April 2023

About zopa credit card

It’s very good and everything going smoothly with zopa card, very helpful and thank you so much zopa. Reviewed on: 11th April 2023

Superb

Easy to use if I have a problem staff are easy to communicate with Reviewed on: 11th April 2023

Easy App

Zopa is by far the best credit card I have, the app is so easy to use and offers advice on how to increase my credit score. Basically faultless! Reviewed on: 11th April 2023

Fantastic

Easy to use app, fast service and responses, use when I’m away on holiday and it’s perfect Reviewed on: 11th April 2023

Great bank

Very good would recommend to anyone Reviewed on: 11th April 2023

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