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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)

Core competence of Zopa Credit card

Recognise poor credit score people to build their credit with affordable plans unlike others providers Reviewed on: 14th January 2023

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

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