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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

73% 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)

Excellent rate and service

Zopa provides very competitive and affordable rates Reviewed on: 11th April 2023

Amazing to deal with.

Zopa have been fantastic first rate marks out 10 is 10, No in fact 11 out of 20 b Reviewed on: 11th April 2023

Great app and card

Great app tells you all you need easy to understand and all in one place for Pinn reset pause your card has it all Reviewed on: 11th April 2023

What's not to like?

I've been with Zopa since October 2022. The application process was super straightforward, the APR I was given was much lower than the representivave rate (usually works out the other way)... Getting to speak to someone is a doddle, the app works well 99% of the time and I really like the online security features when checking out, like having to select a recent transaction from a list. All in all, great company. Reviewed on: 11th April 2023

a very good company I recommend

Zopa is a very wonderful company, I have a credit card and I am very satisfied with them and their services Reviewed on: 11th April 2023

Credit limits

Ive tried to get an increase to credit with no success and wanted to do so as to improve my credit score to get a mortgage. Reviewed on: 11th April 2023

Really great helped me in every way

I was thinking I couldn’t get no card with credit score and then I got offered 400 card after paying all on time my credit card offered increased balance and since then I wasn’t facing no more financial issues I use only what I need without a struggle and the team is absolutely fab Reviewed on: 11th April 2023

Helpfull

Very easy to use app and easy to sign up. Reviewed on: 11th April 2023

Amazing provider!!!!

Amazing credit card provider. Never any hassle with anything you need. Always happy to review the credit limit but most of all they are super caring about their clients welfare. Affordability checks are thorough and decisions are well thought out! Thank you Zopa and keep up the amazing service you provide!!!!!!! Reviewed on: 11th April 2023

Good credit card

It’s good credit card very easy to use there app Reviewed on: 11th April 2023

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