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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)

Exceptional service

I have had my Zopa card now for around 2 years. My credit score was very low during my application but it did not stop Zopa helping me to increase this very quickly whilst using their credit card. The card itself comes with a set balance that you can’t exceed so you don’t fall victim to rediculous charges like other providers, which I unfortunatly have in the past. From very friendly on the phone service to an also very user friendly interface on the app, I have and always would recommend using Zopa for any of your credit card/loan needs as I haven’t looked back since starting! Reviewed on: 21st February 2023

Best service

The customer service is excellent and the credit card facility is great for day to day use. Reviewed on: 21st February 2023

A card that provides a little help

Zopa offered me a card with a small credit limit of £200 when no other company would. The ability to have a credit cushion is a great idea. Prevents overspending and ensures there is alway some credit left for emergencies. Reviewed on: 21st February 2023

Amazing

So easy and simple to use. Very quick to set up and it’s all in the app Reviewed on: 21st February 2023

Very satisfied with the service

It’s been a positive experience, I’d recommend to my friends and family as I am very happy with the service Zopa has given me. Reviewed on: 21st February 2023

Excellent

Great for building credit when you have not do good credit history Reviewed on: 21st February 2023

Smart

My experience has been absolutely fantastic. Ease of application, ease of use, clear information. Reviewed on: 21st February 2023

Zopa loan

Was quick and easy to follow and are always happy to help with any enquiries you may have! Reviewed on: 21st February 2023

Ease at the tip of your fingers

With the ease of the zopa app you can navigate and use the array of features to your benefit Reviewed on: 21st February 2023

Excellent! Great app, easy to manage account.

Have both a credit card and loan with Zopa and find them excellent, have had no problems and would recommend! Reviewed on: 21st February 2023

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