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Zopa: Credit card reviews

Name: Credit card
Rating: 4.93 (41965 reviews)

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4.93

Based on 41,965 reviews, last reviewed 23rd Jan 2026

166400% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Very good service Very good service, never any need for calling them. Reviewed on: 23rd January 2026

Latest lowest rating:

1

My credit card has been frozen due to suspicious act... My credit card has been frozen due to suspicious activity, I've checked my statement and nothing looks off, tried to get hold of Zopa all weekend with... Read more Reviewed on: 13th October 2025

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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

What is this award?

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (41965)

Great credit card

Very simple to apply and accepted Easy to use app and all round brilliant card Reviewed on: 13th January 2023

zopa

decent online app, quick and easy application and acceptance Reviewed on: 13th January 2023

Best credit card I have ever had

I have been with Zopa for a couple of years now. The app is easy to understand and interest charges aren't too high. Reviewed on: 13th January 2023

Excellent All Round

Excellent to deal with from start to finish. Reviewed on: 13th January 2023

Easy, Quick, Amazing

From start to finish quality product and app so easy to use! fab! Reviewed on: 13th January 2023

Less likely to recommend

That's the only card I hot that never change my credit ratings. Reviewed on: 13th January 2023

Caring credit care excellent

Couldn’t fault. Very pleased with this card Reviewed on: 13th January 2023

Best among the rest

It has been over two years since I switched to a Zopa credit cart; previously, I had another provider. Since I had a Zopa credit card, I didn't need another credit card. As a result of my spending and needs, the balance increased without me applying for an increment, and the support team responded quickly and solved the issues effectively and efficiently. Reviewed on: 13th January 2023

Easy to apply and great at making sure you stay within your li.its and providing other services

Absolutely amazing rank you zopa Reviewed on: 13th January 2023

Credit card

I would highly recommend Zopa quick and efficient and app is easy to use and straight forward Reviewed on: 13th January 2023

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