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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)

Fast speedy application

Great service from a great provider and a very speedy application process and time to receive card 1/2 days perfect! Also great credit limit and flexible Reviewed on: 14th January 2023

Confidence restored

It's been a while since I have had a credit card, and zopa has restored my confidence in controlling my spending and staying within my limits all the help is there with the online app a great tool to help keep on track with my credit score. Reviewed on: 14th January 2023

Easy and great comms

Using Zopa facilities is easy and with no hassle. The app keeps you up to date and communication from Zopa is easy to read and access. Reviewed on: 14th January 2023

Very good

I have poor credit and Zopa gave me a card that suits my needs, without giving me a stupid credit limit, Communications from Zopa are very good as well. The online app I simple Reviewed on: 14th January 2023

Complete credit card

Zopa credit cards are easy to manage with fair rates of interest. Reviewed on: 14th January 2023

Less Apr.friendly se4vicr and friendly card too

APR is less than other cards And also almost every where i soentvthis cardio never had nop4oblem. No hidden charges Reviewed on: 14th January 2023

Must have

Overall very pleased with the credit card itself, the app they have and the customer experience they provide. Thank you Reviewed on: 14th January 2023

Average service regarding APR etc.

Customer service helpful however Reviewed on: 14th January 2023

Excellent service

So easy and simple to apply - app is so easy and clear to use. Fantastic service and communication. Reviewed on: 14th January 2023

Always been excellent

Always been excellent with notification and receipts and keeping me up to date Reviewed on: 14th January 2023

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