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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44340 reviews)

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4.94

Based on 44,340 reviews, last reviewed 1st 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

Very straightforward card easy to use &the app is ve... Very straightforward card easy to use &the app is very easy to use highly recommend it Reviewed on: 1st 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 (44340)

Perfect

Hassle free,the app is brilliant & easy to use,lots of helpful hints & tips,no holding on the phone for hours..texts to say when payments are due & when you’re beating your credit limit ..brilliant Reviewed on: 21st February 2023

The Amazing Zopa.

One of the things that I appreciate about Zopa is the fact that they don't charge any annual fees on their credit cards, which is a rarity in the industry. This means that I can use my credit card without worrying about any additional costs or hidden fees. Additionally, their APR rates are very competitive, which makes it a great option for anyone looking for an affordable and reliable credit card. Another great feature of Zopa credit cards is the easy-to-use online platform. The user interface is very intuitive and user-friendly, which makes it easy for me to manage my credit card account, view my statements, and make payments on time. I love the convenience of being able to access my account from anywhere, at any time, which makes it easy to stay on top of my finances. Finally, the customer service at Zopa is truly outstanding. Whenever I've had a question or concern, their customer service team has always been friendly, helpful, and responsive. They're available 24/7, which gives me peace of mind knowing that help is always just a phone call away. Overall, I highly recommend Zopa to anyone in search of a reliable, affordable, and user-friendly credit card. Their commitment to customer satisfaction and their excellent credit card options make them a top choice in the credit card industry. Reviewed on: 21st February 2023

Well organised company

Really easy to understand the APP good interest rates Reviewed on: 21st February 2023

Easy & Great Service

I applied for a credit card, it was very straight forward and quick, unlike other applications. Reviewed on: 21st February 2023

Mrs

Good customer service lisen to you as a customer ànd very helpful to what matters to you. Reviewed on: 21st February 2023

First credit card

Approved quickly. Good interest rates. Excellent customer service Reviewed on: 21st February 2023

Fast

It's really helpful if you need money for emergency Reviewed on: 21st February 2023

Great credit card lender!

Have always been happy with dips credit card, great apr , great communication from staff and one of the best companies I’ve used! Thank you Reviewed on: 21st February 2023

Zopa credit card

Works for me every time. Accepted at the majority of places Reviewed on: 21st February 2023

Interest rates constantly increasing

Every month there seems to be an increase in rates. Reviewed on: 21st February 2023

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