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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43489 reviews)

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4.94

Based on 43,489 reviews, last reviewed 18th Mar 2026

155500% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

4

So far so good very helpful in every way So far so good very helpful in every way Reviewed on: 18th March 2026

Latest lowest rating:

1

Excellent my credit was not good zopa gave a credit... Excellent my credit was not good zopa gave a credit card Reviewed on: 6th March 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 (43489)

Excellent credit card

From application to receipt of credit card and PIN number, the process was seamless and fairly rapid. No problems and any queries dealt with quickly. Overall a great experience. Reviewed on: 14th January 2023

Excellent, very professional.

I used Zopa credit card to successfully improve my credit rating. Helpdesk is very helpful, and banking offers are impressive. Reviewed on: 14th January 2023

excellent

great service, excellent support Reviewed on: 14th January 2023

Best credit card

Honestly, the best credit card I’ve had! Excellent rates, fab customer service and generally just a good all round company. And even when you go over your credit limit, they don’t charge you!!!! Amazing Reviewed on: 14th January 2023

Helpful

Brilliant company and service keeps you informed of everything you spend and when to pay. Reviewed on: 14th January 2023

Responsible lender

A very responsible lender and keeps customers informed of fees and changes does not just encourage people to borrow more than they can aford. Reviewed on: 14th January 2023

Best card ever

This is far best ever gives you correct information every time make a payment hits your account straight away bestie card ever Reviewed on: 14th January 2023

There good company

I am happy with Zopa Zopa is good credit card company Reviewed on: 14th January 2023

Awesome credit card

Seemless app, love the spend cushion. Reviewed on: 14th January 2023

So easy to deal with! The staff are so helpful

I’ve never taken out a credit card before…Zopla was my first credit card account. To be honest I never understood how it’s works and before applying I phoned and they were so amazingly helpful. I’ve spoken to other companies previously like utility companies and you don’t get a service like zopla! Their app is so easy to use and so tech friendly and their rates are so competitive. Thank you zopla! Reviewed on: 14th January 2023

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