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Zopa: Credit card reviews

View other Zopa products
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
See only 5 star reviews
95%
See only 4 star reviews
5%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
0%

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
Arron's avatar
Arron

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026
Rita P's avatar
Rita P
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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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Zopa Credit card reviews (44332)

Customer control

5
I especially like the features where you can set a buffer within your credit limit and personalise the contactless amount Reviewed on: 21st February 2023
Anita West's avatar
Anita West

Zopa is best credit card provider

5
Zopa was easy to set up and the app is easy to use. You can make payments anytime and it doesn't take long for it to show on your credit card balance. Allowing you use the money again if you need to. Reviewed on: 21st February 2023
Money Man's avatar
Money Man

Easy to use company

5
I have had a great experience to date. Reviewed on: 21st February 2023
shunt72's avatar
shunt72

Service and trust

5
An excellent company that keeps me up to date on a regular basis on the status of my account. Highly recommended. Reviewed on: 21st February 2023
Raymond Kilmister's avatar
Raymond Kilmister

Zopa Credit Card

5
Already mentioned to many friends. Great start card or in general. Easy mobile app and notifications to your device. Good to build or maintain if not start a credit history. Reviewed on: 21st February 2023
Krystian Godek's avatar
Krystian Godek

Helpful

5
Zopa have helped me build up my credit score and are always helpful and quick at getting back intouch Reviewed on: 21st February 2023
Roger Bailey's avatar
Roger Bailey

Very very good

5
Everything you could want from a bank Reviewed on: 21st February 2023
yorkie65@hotmail.co.uk's avatar
[email protected]

Easy to use

5
No fees and easy to use with no stress Reviewed on: 21st February 2023
anat_ong@hotmail.com's avatar
[email protected]

Good company good rates

5
Zopa are great and give you a manageable credit limit and the Apr isn't too high either good company Reviewed on: 21st February 2023
Laura's avatar
Laura

to give people a fresh start

5
They are great at communication and help with giving people a great fresh start on poor credit Reviewed on: 21st February 2023
Laz's avatar
Laz

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