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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)

Fair lender

Zopa took a chance with me when other lenders wouldn’t. They have gave me a chance to show I can be a responsible borrower. Reviewed on: 21st February 2023

Efficient and fair with all customers

I would recommend it to anyone as they are extremely helpful to their customers Reviewed on: 21st February 2023

Easy to use, sensible credit limits

Easy to apply for, sensible credit limits and easy to use app explains everything in easy basic language Reviewed on: 21st February 2023

Always been a handy credit card to have!!!!

I have been with Zopa for a few years now and they are a sensible lender with inflation and price hikes sometimes utilising the credit card has allowed me to still live my life and pay back affordable payments would recommend to anyone with an easy app to manage and pay bills it’s a 10/10 Reviewed on: 21st February 2023

Amazing

Zopa are so easy to use, thw apps simplistic, service is great highly recommend Reviewed on: 21st February 2023

Best by far

Such a great credit provider which gets the basics spot on. App is the best I’ve used by far and perfect for what we require. I’ve used several providers in the past and this is the best so far Reviewed on: 21st February 2023

Best company

No 1 in this business with people that they know how can help us Reviewed on: 21st February 2023

Excellent

I have used the card for my everyday shopping Reviewed on: 21st February 2023

Easy to use App

Highly recommended... Easy to use app and great functionality Reviewed on: 21st February 2023

Excellent company

Great company to use , would recommend them to everyone. What a great credit card company!! Reviewed on: 21st February 2023

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