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Zopa: Credit card reviews

Name: Credit card
Rating: 4.93 (41972 reviews)

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4.93

Based on 41,972 reviews, last reviewed 18th Feb 2026

167000% 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

Great team and easy to use app. Great team and easy to use app. Super easy to sign up and everything is very straightforward. Reviewed on: 18th February 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

Best credit card provider 2025

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

Zopa Credit card reviews (41972)

A Sound Credit Card that requires Clarity!

This sound Credit card is for those positive applicants who take credit seriously. Additionally, it is for those reliable Users,who have reached satisfactory and competent levels of good,credit card management. Welcome to a "Higher Level of Clear,Credit card Usage!" Reviewed on: 3rd April 2022

very pleased

I had no experience, everything is very easy and convenient and it was very easy and simple Reviewed on: 3rd April 2022

Quick and handy

It was a quick and easy application. Handy to have with a manageable limit and ok APR. Reviewed on: 3rd April 2022

Quick and Easy

Quick and easy application card arrived swiftly app is great too highly recommend Reviewed on: 3rd April 2022

Transparent, easy to use, good rates

I chose Zopa because they give me freedom to pay back on my own terms through the app so if I have extra money I can pay a bit more off etc. They gave me a great rate on my loan and are always very open and transparent about fees. I would definitely recommend them to friends and family and my wider social network Reviewed on: 3rd April 2022

Brilhante card

I got zoopa credit card, and all I Can think about Is how amazing it is Reviewed on: 3rd April 2022

Fantastic simple and informative app

This is a fantastic opportunity to safe and earn money as well as spend money. Zopa banking and the app offer so much more than just credit card statements and ways to pay. It gives you options to save money on your household bills and to save money In the savings account. The app also allows you to hold back some of your balance in a separate emergency account. You can't get a better credit card company than this. Its more than a credit provider it's a overall financial savings and spending account with all the extras you just don't get from other providers and apps. 100% recommended Zopa and the application was simple to do and the card was here before the date stated Reviewed on: 3rd April 2022

Great credit facility

Honestly they are one of the best I have come around, the customer service is great and you can track your spending using the app, they also help you check your credit score and give you the option of paying with a boosted payment. I have a direct debit set up but also make separate payments via my debit card which is great to clear your balance quicker! I give them 5 stars and well worth getting to help boost your credit score, but only get if you know you can afford to make repayments and manage your money well. Thanks Zopa! Reviewed on: 3rd April 2022

Zopa - helpful and easy to use

Zopa credit card has an amazing app with many features all very user friendly. Would recommend to anyone who need a little extra help at times. Reviewed on: 3rd April 2022

Zopa helped me get back on track with my credit score!

Getting a Zopa credit card was one of the best things I did! After having a very bad credit rating this card helped me to get on track again and build up my credit score. Reviewed on: 3rd April 2022

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