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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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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

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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.

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Awards

Best credit card provider 2025

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

Zopa Credit card reviews (44347)

Useful abroad

Good card to use abroad as they don't try to rip you off with an additional exchange transaction fee like all the main banks do. They are content with the buy/sell spread. Reviewed on: 11th April 2023

The best credit card

I have for long time this credit car, for me is the best about limit if you pay correct you recive message if you want apply for new limit I’m so happy with this cred card. Reviewed on: 11th April 2023

Excellent product, friendly efficient service

Applied ans was guided through the process, conditions clearly explained, accepted upon completion. Easy, friendly, efficient service. First class product Reviewed on: 11th April 2023

Excellent

Great service and good customer service Reviewed on: 11th April 2023

Mediocre at best

The card is below average since the credit limit is extremely low and has never increased for me despite always paying on time and not carrying a balance. It is strange that other cards I own have increased their limit over the same period, such as the recent increase of AMEX Gold to 10k, but Zopa still only offers a limit of £200. It is possible that Zopa may not cater to high earners with low expenses like me, which makes me unsure why I was requested to provide a review. Due to no benefits and the low limit, I have not used the card in about a year. Reviewed on: 11th April 2023

Great service and easy to use

Using Zopa is effortless and the app especially makes payments so easy! Alerts when payments are due means you won’t fall behind and it makes spending easy to track. Reviewed on: 11th April 2023

Very good

Very good, easy to use, would definitely recommend Reviewed on: 11th April 2023

Excellent in every aspect

Very happy with service provided Reviewed on: 11th April 2023

Great credit builder card

Easy to set up and use, great app for managing the account. Reviewed on: 11th April 2023

Top star rating

Zopa credit card gives me confidence with my credit. They are helpful always giving good advice and tips to improve your credit. Reviewed on: 11th April 2023

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