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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44342 reviews)

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4.94

Based on 44,342 reviews, last reviewed 10th 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

Handyman Very handy and easy to use i would recommend this card to anyone Reviewed on: 10th 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 (44342)

Fast, low rates and transparent

Using the Zopa app to manage credit card and loans as well as new applications is so easy. No over complicated processes and you know where you stand from the start. Reviewed on: 14th January 2023

Simply the Best

Simple direct and wonderful product. Keeps me informed and up-to-date with all uses. Reviewed on: 14th January 2023

Brilliant service

Brilliant service,always happy to help. Very trusty. Reviewed on: 14th January 2023

Super easy & convenient and clear

The Zopa credit card is really user friendly- the app is fantastic. Everything works easily. Reviewed on: 14th January 2023

Very easy card to use

Loved this card..very easy to use..happy to recommend Reviewed on: 14th January 2023

Fantastic Card.

This card was offered to me when other companies considered my credit rating to be too low. Once I started to use it and pay off the balance every month, my credit score began to increase. Having the card now gives me peace of mind that I have the credit facility to fall back on should I need it. Reviewed on: 14th January 2023

Fantastic easy to use provider

Every thing Zopa do makes financial life easier. Everything I need is available in the app and presented clear and consistently I’m very happy with my product and the service provided. Reviewed on: 14th January 2023

1-2-3 ZOPAY

Fantastic app easy to access account and monitor your spending ,it's also easy to repay. Reviewed on: 14th January 2023

Great card

Easy acceptance, apr not too high, only downside is the low credit limit which does not seem to rise Reviewed on: 14th January 2023

is the best credit card bank

the credit card is very good, you can use it in any country, you can also withdraw money from it and it is at a reasonable percentage Reviewed on: 14th January 2023

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