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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44350 reviews)

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4.87

Based on 44,349 reviews, last reviewed 21st Jul 2026

99% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Excellent credit card I didn’t have any problems Excellent credit card I didn’t have any problems Reviewed on: 21st July 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.

Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44350)

Review of the Zopa, Credit card:

I've found zopa incredibly helpful all the time

I've found zopa incredibly helpful all the time Reviewed on: 17th April 2025

Useful for financial emergencies.

You can spread the cost of purchases. You can buy something now and spread the cost over several months. You can borrow interest free. If you repay your bill in full each month you won’t pay any interest (unless you’ve mae cash withdrawals). You can build up your credit history. If used responsibly, they help improve your credit score. You can earn rewards. Useful for financial emergencies. Using your credit card is faster than getting a loan. Reviewed on: 18th January 2026

Fantastic, easy to access balance on app, very strai...

Fantastic, easy to access balance on app, very straightforward Reviewed on: 18th January 2026

Quick and easy to use no messing around

Quick and easy to use no messing around Reviewed on: 18th January 2026

Easy way to handle your credit card refreshing strai...

Easy way to handle your credit card refreshing straight forward excellent service would recommend all my friends brilliant card Reviewed on: 18th January 2026

Easy to use

Easy to use, perfect card always recommend to my friends Reviewed on: 18th January 2026

Easy to apply for, love the app let’s me stay in con...

Easy to apply for, love the app let’s me stay in control of my spending Reviewed on: 18th January 2026

It was no hassllte to get a zopa card the web page k...

It was no hassllte to get a zopa card the web page keeps you aware of all that hapens Reviewed on: 18th January 2026

full transparency...

You know every transaction also full transparency of the complete procedure from applying to using their credit card and also a responsible lender not like some out there Reviewed on: 18th January 2026

Value for mony

I think Zopa it is easy to use and value for money. Reviewed on: 18th January 2026

good card to have

looked after when doing transactions Reviewed on: 18th January 2026

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