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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)

Good credit card

Good all round card would be nice if it could be added to apple wallet so I don’t have to carry it around with me Reviewed on: 14th January 2023

Good and easy to apply

Fast and easy to get one and also excellent customer service Reviewed on: 14th January 2023

Giving a chance

One of the first companies to give the chance of improving my credit rating. Reviewed on: 14th January 2023

The card for the best deals and 100% customer service

After seeing their advert on the Internet I applied and was quickly rewarded with a new credit card which I currently enjoy using. Their rates are suitable for me and the mobile app is a breeze to use...100% highly recommended... Reviewed on: 14th January 2023

Responsible & Ethical lender.

I love the fact that Zopa is a responsible and ethical lender. I’ve been with them for almost 2 years now and have been offered appropriate and sporadic credit limit increases - unlike other companies who will offer them all the time yet not taking into account if you can genuinely afford it. As a young adult I feel safe using zopa as a lender because of this reason. Thank you. Reviewed on: 14th January 2023

Simple and effective credit

Perfect usage and very simple to use Reviewed on: 14th January 2023

Great credit card

Easy to use and manage with their app. Realistic credit limits and great customer service. Reviewed on: 14th January 2023

Great

Highly recommend, easy to use and well organised throughout Reviewed on: 14th January 2023

Excellent!

Excellent and quick service setting up my card/account. I use the app for everything which suits my lifestyle as I’m so busy. Can’t fault anything - it’s all so quick. Even when a payment is made on the app it’s credited immediately. Top marks Zopa! Reviewed on: 14th January 2023

Great company and easy to use app. Communication is brilliant and no issues.

Got this to build my credit score and it’s doing its job. Reviewed on: 14th January 2023

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