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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44342 reviews)

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4.94

Based on 44,342 reviews, last reviewed 10th May 2026

36% 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

Handyman Very handy and easy to use i would recommend this card to anyone Reviewed on: 10th 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 (44342)

Credit Card and Saving

Absolutely amazing credit card that you can save with alongside your credit for Holidays etc and earn interest Reviewed on: 21st February 2023

Straight Forward

Zopa credit card is a straight forward application along with the app. I haven’t encountered any issues as of yet. I would likely recommend this company Reviewed on: 21st February 2023

Amazing product

Thai card is amazing and mainly because of the app that it comes with help you track all spending advises you when and how to make easy options of payments. Plus other exciting information that you wouldn’t normally get with a credit card like savings, advising when your rating goes up such a good product so pleased with it, it’s really going to help me gain some good credit rating for the future. Reviewed on: 21st February 2023

Great customer service

I've had problems with my bank and they've help resolving the issue Reviewed on: 21st February 2023

Best customer service

It’s help me to build my credit score Reviewed on: 21st February 2023

Brilliant

Brilliant company so helpful and supportive I have told all my family and friends how good Zopa are Reviewed on: 21st February 2023

low credit limit, high interest.

paying balance off monthly and using a low balance percentage doesn't improve your borrowing power it seems. Not a useable product, better options available. Reviewed on: 21st February 2023

Perfect start to getting you back on your feet

Easy to apply. Sensible first usable credit limit. Great tools in the app. Couldn’t think of any ways to improve your experience! Reviewed on: 21st February 2023

Efficiency and simplicity

I have been delighted with the straightforward and efficient service from zopa. Their app is easy to use and gives me all the information I need. Reviewed on: 21st February 2023

Too provider

Incredible service and flexible credit card - a favourite and recommend to family and friends! Reviewed on: 21st February 2023

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