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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44343 reviews)

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4.94

Based on 44,343 reviews, last reviewed 13th May 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

Has been very positive not had any issues with my ca... Has been very positive not had any issues with my card or account Reviewed on: 13th May 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 (44343)

I've already recommended them to friends and family.

Zopa is very simple to use with reasonable rates, their app helps me keep track of my spending and set a buffer so I don't spend too much. Really helps me to manage my card. Reviewed on: 21st February 2023

Great tailored rates

Great app, easy to use and good rates Reviewed on: 21st February 2023

Great service

Great service. Easy to use and website is good also Reviewed on: 21st February 2023

Fantastic company

Zopa have been great, their interest rates are so reasonable and I get to pick my direct debit amount which I'm comfortable with. I like that I get alerts on how much my balance is so I can keep an eye on spending and they make payments really simple. The app is really easy to navigate as well which makes it nicer to see all of Zopas offers. Reviewed on: 21st February 2023

Positive experience.

Never had an issue with my Credit Card, few times I've needed support they've been extremely quick to respond and resolve the issue. No complaints, happy customer! Reviewed on: 21st February 2023

Very very good

Zopa is a very good card, when other cards won't believe me he was the first I really like being part of this team Reviewed on: 21st February 2023

Good experience

Very good experience and nice product to start with building credit score Reviewed on: 21st February 2023

Easy

Easy to navigate and keep track of your credit score and spend Reviewed on: 21st February 2023

Great customer service

Can always get hold of someone to help Reviewed on: 21st February 2023

Fantastic card

No hassle card straight forward application Reviewed on: 21st February 2023

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