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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44332 reviews)

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4.94

Based on 44,332 reviews, last reviewed 18th Apr 2026

40% 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

My experience with Zopa has been great. My experience with Zopa has been great. Easy to navigate around the app. And no issues with making repayments to my credit card. Reviewed on: 18th 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 (44332)

Great support / great app

Keeps you informed about finance, what's avaliable, how to improve finances, extra . App is great. Reviewed on: 21st February 2023

Excellent product

The best credit card around and Zopa have excellent customer service can’t fault their staff they go above and beyond Reviewed on: 21st February 2023

Zopa credit card for improving credit score

I got a zopa credit card to help improve my credit score after my divorce . Ex left me a lot of debt. The app is so easy to use. And my credit score is improving all the time. Reviewed on: 21st February 2023

Easy application low interest rate.

I have been very happy thus far with my Zopa credit card. I like the ease of having the app and being able to access my account 24/7. I also like the use of the buffer therefore not overspending. I have a good interest rate and I was pleased with the easy application process. Reviewed on: 21st February 2023

Just incredible.

Just an incredible company, incredible service and they didn’t even pay me to say this! Good companies are hard to find nowadays. Will defo recommend. Reviewed on: 21st February 2023

Excellent

Fabulous provider...Happy customer Reviewed on: 21st February 2023

Update in seconds

I love that the account automatically update in seconds after you make a payment. No hassle and you have access to that balance right away. No waiting 2 - 3 business days to update. It’s easy to check balance, monthly statement and if you need to update address it’s very easy to do via the app. Reviewed on: 21st February 2023

Simple and relatable credit support

essentially great support to get easy credit for short periods without hassle and easy to get hold of customer service being always willing to help!! Reviewed on: 21st February 2023

5* Credit Co. Who does help.

Credit company who helps & doesn't pester you Reviewed on: 21st February 2023

Good credit card

Very good timely & respectful company Reviewed on: 21st February 2023

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