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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44349 reviews)

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4.87

Based on 44,349 reviews, last reviewed 21st Jul 2026

99% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Excellent credit card I didn’t have any problems Excellent credit card I didn’t have any problems Reviewed on: 21st July 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 banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44349)

A good card to spred your budget so long as you pay off your balance

My first credit card in years and finding it useful to tide me over when managing my budget Reviewed on: 21st February 2023

Brilliant

It’s really easy to use and pay your daily expenses with zopa credit card Reviewed on: 21st February 2023

AMAZING

Thanks Zopa. With your trust in me and your help my credit rating has improved so much. Thank you Reviewed on: 21st February 2023

Easy Application, Fair Credit Amount

Very happy with Zopa both before and after my application for a credit card, have recommended it to others which is something I wouldn't normally do when it comes to borrowing money Reviewed on: 21st February 2023

Great App and live transactions/payments

I’ve been pleasantly surprised by this credit card. Not only is the functionality better than expected, I’ve noticed my credit score improve by nearly 40% in just a few months A few competitor cards don’t acknowledge payments for 1-2 days. ZOPA is instant. Makes it so much easier to manage your finances Reviewed on: 21st February 2023

Fantastic

Simple and very easy to use. Highly recommended Reviewed on: 21st February 2023

Great Card from a good company

A good card for those of us who are trying to rebuild our credit score and with an App that is so easy to use, even an OAP like me can use it. Reviewed on: 21st February 2023

My Card

Zopa card,my card Is so east to apply for and set up app it’s all very clear in everything it does for me Interest rate is good and manageable and your so well informed through email off where your balance is at and when monthly money is due Zopa card, my card Reviewed on: 21st February 2023

Effortless

Such a great company. Effortless yo use and navigate! Reviewed on: 21st February 2023

Brilliant card and service

Never had any issues with Zopa always been easy to communicate with and have had a genuine good relationship with them. Reviewed on: 21st February 2023

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