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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44339 reviews)

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4.94

Based on 44,339 reviews, last reviewed 26th Apr 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

It is easy to use and quick access It is easy to use and quick access Reviewed on: 26th April 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 (44339)

Breath of fresh air

Brilliant and very fresh approach to credit card supply. Always know where I am and they always send reminders and messages. They are the best provider I have experienced for communication. Highly recommend for people repairing their credit report. This provider gives you confidence in your future lending and really goes the extra mile. Reviewed on: 21st February 2023

Amazing offers

Good service. I am satisfied with the product. You just need to be consistent with the payments and usage and Zopa will surprise you with great offers and upgrade you as well. Reviewed on: 21st February 2023

Good

Ok. Need direct debit facility . Which is not available at this time Reviewed on: 21st February 2023

Great, Easy app to use,

Overall really happy, application was easy, getting card was quick, app is easy to use and see what your spending, payment system easy to use, only con would be amount of time you spend waiting on live chat with help, had problem with card not working, took over a hour to reslove (most of this time was sat waiting for a reply), needed new card which did turn up in a couple of days which was great as I was going away and wanted my card with me, would recommend them to others but as I said be prepared for long waits on replies in live chat, obviously thier support team are dealing with multiple chats which I understand but this does leave you sitting twiddling your thumbs waiting to get a reply to your last message Reviewed on: 21st February 2023

Zopa Credit Card

Easy to apply for. App easy to understand and use. Reviewed on: 21st February 2023

Excellent

Really good straight forward and easy to use app Reviewed on: 21st February 2023

Pleasant company

Always been helpful and polite, never made me feel helpless Reviewed on: 21st February 2023

Zopa credit catd

Very happy with my card and it was easy to set up and the staff are friendly and helpful Reviewed on: 21st February 2023

Helps you out with helpful tips

Very easy app to use and straight forward Reviewed on: 21st February 2023

Good credit card with good app

Good credit card with good app. for a starter credit card this have been very good and would recommend Reviewed on: 21st February 2023

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