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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)

Chance,Repair,straightforward

Zopa took a chance on me after some financial turbulence in my life, regular reviews and full product information and range of products available allows as your credit repairs to access more financial facilities and seems to work well Reviewed on: 21st February 2023

Positive experience

Easy to use app, notifications when payment is due. When I closed an old account it was very quick and easy. Can’t ask for more to be honest. Reviewed on: 21st February 2023

Zopa is simply the best credit card out there

Customer service is excellent, professional and always ready to answer your questions. The most impressive feature in the app is the Borrowing power update; which tells you just what you need to know about your credit history and what options are available to you if and when ready to apply for a loan or car purchase etc. I’d highly recommend the service provider. Reviewed on: 21st February 2023

Fast and straightforward

Applied and got a reply almost straight away. I also have the app which is easy to use and very helpful. Would recommend to a friend or family. Reviewed on: 21st February 2023

Great credit card company

Great customer service and always willing to help. Reviewed on: 21st February 2023

Excellent service

Great card, very easy to use. Payments show on balance immediately Reviewed on: 21st February 2023

Credit where credit is due.

ZOPA have restored my faith in credit card providers. A company with great customer service and a web site and APP that are simple and easy to navigate. Security is tight without being intrusive and all in all, credit where credit is due, ZOPA is easily the first choice credit card in my wallet whether in the shops or online. Reviewed on: 21st February 2023

Great service

Amazing service with low interest Reviewed on: 21st February 2023

Simplicity at it greatest

So simple and easy to navigate around the app Reviewed on: 21st February 2023

Never problem

I recommend to everyone,never problem Reviewed on: 21st February 2023

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