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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)

Excellent card

I have had this card for a little while now its Apr is reasonable for this type of card I love it Reviewed on: 21st February 2023

Great card and easy to use app!

The whole experience with Zopa has been great so far, the application is simple, the card and app are very easy to use and manage. Would highly recommend. Reviewed on: 21st February 2023

Easy to use

Zopa was my first credit card and it has been such an easy process. I was nervous about getting my first credit card but zopa made it straightforward and easy. The app is really easy to use and to make sure payments are going out every month. I also like you can set up a cushion amount - it’s very helpful. Reviewed on: 21st February 2023

Good communication

From the original application through to the daily running of the card things go so smoothly. Any changes to the terms re communicated swiftly and clearly. The app makes keeping on top of your card simple and straightforward. Reviewed on: 21st February 2023

Credit card

Easy and not a stressful application Reviewed on: 21st February 2023

Excellent

Very very good Reviewed on: 21st February 2023

Great credit card

Have had no problem using my card for different things Reviewed on: 21st February 2023

Great credit to get you started

I have been with Zopa for a year. I have never had any problems. Everything is done on the app. It is extremely user friendly and you get great advice on how to improve your credit rating. Reviewed on: 21st February 2023

Great communication with me.

They are very reliable, good staff with good customer service. Reviewed on: 21st February 2023

Zopa just works

Their service is great so easy to use with the app absolutely no complaints at all Reviewed on: 21st February 2023

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