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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)

Fantastic product

Easy to use, great breakdown of spend, love being able to use it abroad. Reviewed on: 14th January 2023

Was there for me when I needed

I got the card when I couldn't get another one and I've had it ages now, interest rate is high but the app and everything is fine with it Reviewed on: 14th January 2023

Amazing provider

Great customer service and very informative Reviewed on: 14th January 2023

ZOPA are perfect

ZOPA are perfect company on market Reviewed on: 14th January 2023

Easy overall!

Easy, easy, easy! Such an easy application process, right through to using the app! I have multiple credit cards, but Zopa is; in my opinion, the safest, simplest and most stress free credit provider! Reviewed on: 14th January 2023

Great Apr

Quick simple and acceptable all over the world Reviewed on: 14th January 2023

Good App

Payments are applied to your credit card account the same day Reviewed on: 14th January 2023

Give me a chance?

When other credit cards wouldn’t accept me Zopa gave me a chance.thank you Zopa. Reviewed on: 14th January 2023

amazing

zopa trusted me when nobody else would great company great rates great product Reviewed on: 14th January 2023

Zopa Zogood

Having just returned from a 25 year ‘hibernation’ enforced by a dubious diagnosis of schizophrenia, Zopa has provided the opportunity to get my credit rating credentials back on track. Looking forward to 2023 and beyond. Thanks. Reviewed on: 14th January 2023

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