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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)

Disruptive & different, in a good way

It’s highly unlike me to take time out of my day to rain down praise upon a financial institution but in Zopa’s case I have to make an exception. The elitism and outdated ideology’s of the big banks is crumbling under the pressure of new Fintechs like Zopa with their inclusive & accessible products, cool messaging and a great UX delivered through their fantastic app. Eagerly awaiting a current account to be part of their portfolio. Keep up the good work. Reviewed on: 14th January 2023

Help me through toughest time

This zopa credit card is amazing help you get through the rough time without damaging credit score with the balances of telling you how much borrowing and how you can do better. Also has saving so it reduce of the likely today of going over the credit limit Reviewed on: 14th January 2023

Credit builder

Zopa was the only lender willing to offer me a credit card after my bankruptcy 4 years ago through I’ll health. I am eternally grateful and can’t praise them enough Reviewed on: 14th January 2023

Very much recommend zopa

Hassle free , helpful service , easy to understand app , perfect Reviewed on: 14th January 2023

Great for credit score and easy to use

this card is very easy to manage and use. fast and secure. Reviewed on: 14th January 2023

Great customer service

Always great communication and support. They are fast to answer any issues or queries when you have them. Would highly recommend Reviewed on: 14th January 2023

Easy

So easy to use and keep track of your spending Reviewed on: 14th January 2023

Top Card Company

Since I've been with Zopa they have been so helpful. The app let's me know exactly what I have to spend and what and where I have spent. They make me feel so safe with their added security and I would feel so happy to recommend them to anyone. Reviewed on: 14th January 2023

Very easy to use.

So far I can say it has helped me with my finances and made it possible to do more. Very straight-forward app. Thank you Reviewed on: 14th January 2023

Good experience very happy

Excellent service and easy to use Reviewed on: 14th January 2023

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