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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44340 reviews)

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4.94

Based on 44,340 reviews, last reviewed 1st 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

Very straightforward card easy to use &the app is ve... Very straightforward card easy to use &the app is very easy to use highly recommend it Reviewed on: 1st 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 (44340)

Easy to manage

A very good card East to use and understand App Always keeps you informed Updates you on all transactions and pending transactions Reviewed on: 15th January 2023

Default Sum charged for less than 24 hour late payment!

After having the flu for 5 days and not being able to get out of bed, I paid my credit card bill 12 hours late and got a £12 late payment fee and a notice of sum of default. I’ve never had that with any other card whom have always given two days grace. Wouldn’t recommend to anyone who has the audacity to become poorly. Reviewed on: 15th January 2023

Happy Customer

They gave me a chance despite not having the best credit score. They offered me a fair amount which I appreciated The app is great and overall, I have no complaints…I am very grateful for your help THANK YOU Reviewed on: 15th January 2023

Quick efficient and affordable

All your fees are displayed from the start so no nasty surprises Reviewed on: 15th January 2023

5

I haven't at any problem with zopa there do keep me updated on everything Reviewed on: 15th January 2023

Excellent service

Been with Zooa for a while now. Have given me all I needed in a credit card. Good customer service.. Reviewed on: 15th January 2023

Great card to have

Easy process to apply for the app is very helpful, I’m now fully on track with keeping a good credit score. Reviewed on: 15th January 2023

good credit card

has been a good credit card never let me down Reviewed on: 15th January 2023

The best credit card provider!

I’ve been a customer for around 2 years now, I love Zopa. They’re easy to get hold of, always rectify any problems asap. Overall a fab company! Reviewed on: 15th January 2023

Flexible, easy app & great all round

Love the Zopa card it works well for me and fit well into my lifestyle. Easy navigational app with no dramas. Definitely a great addition to my Apple pay too. Would recommend to everyone Reviewed on: 15th January 2023

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