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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44343 reviews)

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4.94

Based on 44,343 reviews, last reviewed 13th May 2026

35% increase in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Has been very positive not had any issues with my ca... Has been very positive not had any issues with my card or account Reviewed on: 13th May 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 (44343)

Amazing service

Never had any problems at all always been amazing service Reviewed on: 11th April 2023

Everything you could ask for

No hidden fees, great customer service and just an all round great company. Reviewed on: 11th April 2023

Customer friendly experience

As a way to rebuild your credit score, with a top notch easy to use app I really recommend Zopa. Communication is clear and concise so you know exactly where you stand at all times. Sensible limits are offers so you don't over spend and overall I have had a great experience in an otherwise complicated area of finance. Highly recommended. Reviewed on: 11th April 2023

Loan Shark

Way too high interest rates Poor App Poor Service Rubbish Limits Overall thrash Reviewed on: 11th April 2023

Amazing always looks after me

Amazing company gave me the best option at the time for my credit card and the best thing is they don't call you pushing products all the time. Reviewed on: 11th April 2023

Excellent service

Very good credit card terms. Have had this card for 2 years and I’m enjoying the benefits of having it. Reviewed on: 11th April 2023

Excellent Service and App

I have been using Zopa Credit Card long time and this is a life saver absolutely, and also it did speed up my credit score grows fast! Thanks Zopa! I’ll be using car finance from Zopa soon too! Reviewed on: 11th April 2023

Fantastic !!

Absolutely brilliant, the app is so easy to navigate. Customer service is great also. Good range of products loans, credit cards etc.. Brilliant Reviewed on: 11th April 2023

Really good

Really good reliable friendly easy Reviewed on: 11th April 2023

Good company

The customer service is excellent and app is up to date all the time. Reviewed on: 11th April 2023

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