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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44341 reviews)

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4.94

Based on 44,341 reviews, last reviewed 9th 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

Easy to apply Easy to apply, great customer service and a clear and simple App. Reviewed on: 9th 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 (44341)

Easy to use and Helpful

I love that fact that I can put money in immediately and keep my use low on the card. Really helping to change spending behaviour and increase my credit score ! The APP is a game changer Reviewed on: 14th January 2023

Great company

They are always clear in what they are offering and give you help and advice when needed Reviewed on: 14th January 2023

Excellent service

Had had no issues using the card and the app is very easy to use. Check your balance, authorise new online payments. Very easy to set up a payment schedule and make payments. Payments are also credited to your account much quicker than other credit cards. Other all an excellent card. Reviewed on: 14th January 2023

My favourite card

Not only was the application process straightforward for my credit card, but i am also really delighted to have an opportunity to have a savings option too. Now i can utilise my card and add to my savings pot. Reviewed on: 14th January 2023

Saved me!!

I had hit a hard time and my credit score is not the best but Zopa give me a chance to have some money and spend wisely and I’ll be forever grateful Reviewed on: 14th January 2023

Helped rebuild credit

The app is really is to use. Has helped rebuild my credit. The app helps you learn about finances to keep your credit on track. Would highly recommend zopa. Reviewed on: 14th January 2023

Credit help

Zopa has helped me loads and the app is so easy to use Reviewed on: 14th January 2023

Perfect !

Hassle free from application to using my card, effortless online use and no technical or confusing statements or terms, a real pleasure to use Zopa compared to some other cards out there. Reviewed on: 14th January 2023

Tina

Excellent credit card would recommend! Reviewed on: 14th January 2023

If you get one credit card, make it this one.

My credit rating is not that great due to a series of problems that I could nothing about. Even though I am now stable and I work, I’m still penalised. Not with Zopa. Fantastic app with lots of features. Easy to navigate and use. Highly, highly recommended. Reviewed on: 14th January 2023

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