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Zopa: Credit card reviews

View other Zopa products
4.94
Based on 44,339 reviews, last reviewed 26th Apr 2026
36% increase in 5 star reviews
in the past 90 days
400% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
95%
See only 4 star reviews
5%
See only 3 star reviews
0%
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0%
See only 1 star reviews
0%

Latest highest rating:

5

It is easy to use and quick access It is easy to use and quick access Reviewed on: 26th April 2026
Lubna's avatar
Lubna

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026
Rita P's avatar
Rita P
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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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Zopa Credit card reviews (44339)

Helping rebuild credit

5
Low initial credit limit but if you use the card properly the limit is soon increased Reviewed on: 14th January 2023
Phil Whitebread's avatar
Phil Whitebread

Excellent service.

5
Perfect for a credit cushion each month. The app is so good as it allows you to set this and keeps you on track. Reviewed on: 14th January 2023
Happy Customer 's avatar
Happy Customer

Excellent

5
Great rates and good credit limit. Reviewed on: 14th January 2023
Andrew Will's avatar
Andrew Will

Amazing

5
Absolutely amazing credit card Quick delivery True to word Reviewed on: 14th January 2023
Tony's avatar
Tony

Superb service

5
Superb service but also ethically sound with increases. Reviewed on: 14th January 2023
graeme.hawley1987@btinternet.com's avatar
[email protected]

The best credit card

5
I have had a Zopa credit card for almost a year and it's the best credit card on the market in my opinion Reviewed on: 14th January 2023
Graham Aston's avatar
Graham Aston

Excellent service

5
Had no issues everything was simple and straightforward to apply and use of the app is nice and easy great credit card Reviewed on: 14th January 2023
Wesley 's avatar
Wesley

Excellent

5
I find Zopa much easier to use than my other credit cards, payback transactions are immediate and don’t take days to show up like most other cards. Great credit card Reviewed on: 14th January 2023
Joe Gomulko's avatar
Joe Gomulko

easy

5
zopa are the best and easy to use Reviewed on: 14th January 2023
Linda Brennan 's avatar
Linda Brennan

Great provider

5
Really can't fault this company very help full and all ways ready to help if you need them and the website really helps with keeping up to date with what you spend Reviewed on: 14th January 2023
Martin Smith's avatar
Martin Smith

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