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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 12th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Upon applying for a credit card with Zopa. Upon applying for a credit card with Zopa. I was able to navigate around the website easily to apply for a credit card. Reviewed on: 12th June 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 (44347)

Fantastic

Great card , you know as soon as you’ve spent on it, know your balance and know exactly where you are with payments, easy to make payment too , no stupid rigmarole to go through, we’ll done Reviewed on: 14th January 2023

Excellent service

Easy to use, totally transparent & fair with excellent customer service Reviewed on: 14th January 2023

Easy to use, great app!!!

Straight forward understanding, simple instructions and app is simple to use. Reviewed on: 14th January 2023

Not happy with them, at all

No, not recommended. Again, not. Reviewed on: 14th January 2023

Credit card review

Great finance and credit card I would recommend to anyone! Reviewed on: 14th January 2023

Excellent product

Excellent credit card easy to use app as well with all the functionality you would need including your borrowing power Reviewed on: 14th January 2023

Easy to set up, use & manage...

...also when you make a payment it is applied instantly, don't have to wait days for it to update, app is helpful & easy to use too. Reviewed on: 14th January 2023

Cannot fault the card

Easy to use App and brilliant customer service Reviewed on: 14th January 2023

Credit card

Been with Zopa for quite some time and been absolutely fantastic with repayments and reminders. Also offers to increase credit limit at appropriate times. Reviewed on: 14th January 2023

Excellent online application

The application process online was very easy and the decision was immediate. Documents signed the same day. Reviewed on: 14th January 2023

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