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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)

Clarity

Up to date messages regarding all aspects of spending, balances etc Reviewed on: 21st February 2023

Zopa started me on the road to a good credit score

Financially not good,zopa started me on to a good credit score Reviewed on: 21st February 2023

There when I need it

When I need to make a payment in any time of need my zopa credit card is there when I need it Reviewed on: 21st February 2023

Recommendations

Best credit card I have used. Simple mobile applications and payments reflect instantly Reviewed on: 21st February 2023

Easy to apply, easy to be accepted, easy to use with the app and generally makes my life easier!

I have a poor credit history but since having the Zopa card I’m getting myself sorted and my credit score is improving Reviewed on: 21st February 2023

Great company

Help me a lot when I was going through a tough time Reviewed on: 21st February 2023

Excellent customer service

Was struggling with my credit report and Zopa gave me a chance and now my credit rating is going up and using card carefully , their app is so easy to use and would definitely recommend Reviewed on: 21st February 2023

Easy and swiftly done

No hassle in the application, all as you’d expect. The app works perfectly and allows an easy tracker to what’s happening in the account Reviewed on: 21st February 2023

Brilliant customer service

They were there when I needed them to help me. Reviewed on: 21st February 2023

I was happy

I was really happy with how they managed me and my card Reviewed on: 21st February 2023

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