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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44343 reviews)

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4.94

Based on 44,343 reviews, last reviewed 13th 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

Has been very positive not had any issues with my ca... Has been very positive not had any issues with my card or account Reviewed on: 13th 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 (44343)

Best credit card

Everything about the Zopa credit card is so straightforward. I love the additional security steps that come with this card and the website is very user friendly, allowing me to easily keep track of my account Reviewed on: 14th January 2023

Very Quick and Easy

I have used Zopa for my credit card and a loan, both were very quick and easy to apply. Very good App to monitor my account and I was able to pay off my loan and card easily with no fuss. Reviewed on: 14th January 2023

Straight forward company

Very nice company that values and cares for its customers. Reviewed on: 14th January 2023

Easy to access and great app interface

It was easy to apply and be accepted and the app is very intuitive Reviewed on: 14th January 2023

Really quick decision

The decision was made really quick and service was brilliant Reviewed on: 14th January 2023

Easy and helpful every time

Really easy to complete online. once approved card was within a 3-5 window delivered to my home address. And you can see the live balance 24/7 .definitely recommend this to family and friends. Reviewed on: 14th January 2023

Easy to understand

There app is so easy to navigate, they send you updates on borrowing and keep you in loop it all there no having to keep ringing and talking to someone just a very easy company Reviewed on: 14th January 2023

Zopa credit card

It's the best card I've ever had. You can set a safety buffer so you don't over spend and the interest rate is low. I would definitely recommend it Reviewed on: 14th January 2023

Best card

Always very helpful and the card fits my needs very well Reviewed on: 14th January 2023

Poor credit card

Started off well but be warned. Took out a credit card to take advantage of the balance transfer offer for 6 months. They claim to give you a total credit limit and break that down on what you can use for purchases and what you can use for balance transfers. I was given a total of £1400 which was £1000 to be used for transfers and £400 for purchases and my credit file was updated to reflect this. I used £1000 available and payed it all back within 6 months never being late or no missed payments. They then with no warning lowered my credit limit to £400 for purchases only and reflected this on my credit report. This had a negative effect on my credit file has it effects credit ratios. Do not recommend at all. Reviewed on: 14th January 2023

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