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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)

Simply the best

Simply the best credit card & app I've ever had. The app is so easy to navigate to view your balance and make payments, also to transfer money into a seperate savings pot which gives excellent interest rates. Reviewed on: 13th January 2023

Excellent and Handy

Customer service is excellent. App is awesome. 2 in 1 credit card idea seemed phenomenal to me. Moreover, I have been benefited by their balance transfer offer. Reviewed on: 13th January 2023

Perfect

A perfect card for our needs , fast answer and fast delivery Reviewed on: 13th January 2023

The Best

Slick app, fantastic service & putting customers at ease Reviewed on: 13th January 2023

Brilliant company

I haven’t been with them long but so far their service is faultless Reviewed on: 13th January 2023

Good but not as stated

I chose zopa due to being shown as 9 months no interest on purchases once activated made some purchases it turns out it was only 30 days no interest not really what I was wanting and as shown when raising this they said you’ll have to clear the balance and close the account, which was a little late so disappointed I’ve now had to pay interest because of false advertisement. On the other hand the app is good Reviewed on: 13th January 2023

Soooooo Helpful

So helpful, there when you need them!! Reviewed on: 13th January 2023

Best credit card company ever

Zopa helped me when I really needed it. Thanks to them I’ve been able to sort out my finances and am now stress free! Reviewed on: 13th January 2023

Excellent..

Best credit card provider..No1.. Reviewed on: 13th January 2023

Totally Fair

Amazing communication.. Great customer service Reviewed on: 13th January 2023

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