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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43485 reviews)

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4.94

Based on 43,485 reviews, last reviewed 16th Mar 2026

155350% 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:

5

Great for spending. Great for spending. Helpful. Good for low credit score to get a card. Easy to use. Good working app. Good repayments. Would definitely recommend to ot... Read more Reviewed on: 16th 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 (43485)

Outstanding

Very pleasant and easy process to apply and a good team of people if you ever need help. Very responsive team. Absolutely outstanding ! Reviewed on: 14th January 2023

Flexible & Reliable

Zopa is a very convenient credit card and I will be looking to join the saver account too as I need to start saving my money and I like the fact there’s an option in place so I can choose not to touch my funds for 30 days, which means I won’t be tempted. Also, I am with Utility Warehouses recommendation. Zopa isn’t just a credit card. It’s a way of life! Reviewed on: 14th January 2023

Profesional,easy and clear

Very easy to apply , very fast , Reviewed on: 14th January 2023

My review

Always very helpful & nothing is an issue Reviewed on: 14th January 2023

Top Class Zopa

User friendly, latest technology. An array of different products and services. Simply the best! Thanks Zopa. Reviewed on: 14th January 2023

one of the best credit cards i have

i have 16 credit cards but because of the flexibility and best customer service i choose to use zopa on daily basis i would recommend this card for the best experience Reviewed on: 14th January 2023

Nice little product that comes with good customer service

Exactly as the title - nice little product (credit card) with good customer service that quickly resolve queries. Had the card for a year and i've never encountered a problem with them - :-) Reviewed on: 14th January 2023

Good

Good I am very happy for the services Reviewed on: 14th January 2023

Credit rating Bounced back

It’s been great having the Zopa card, it’s so easy to use, the instant payment feature where it credits your balance straight away is awesome. An it’s been really good with balancing my credit score and bringing it back up. Reviewed on: 14th January 2023

Good advisers

I love how the app tells you how your credit is doing and keeps you up to date on your spending and makes suggestions how to improve your credit score. Reviewed on: 14th January 2023

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