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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)

Help Built My Credit

When all credit card rejected me they helped me. And I've not disappointed them Reviewed on: 2nd April 2022

Brilliant

Application is easy online user friendly. Easy to use less has great service and brilliant security when using the card. As sends text message to phone to verify purchases. Peace of mind and safety. Reviewed on: 2nd April 2022

Spectacular service and accessibility

Zopa are hero's. Customer service is impeccable and they are always on hand to help. Thank you Zopa! Reviewed on: 2nd April 2022

Great easy and convenient

Haven’t had any trouble using the card or app, very good all round Reviewed on: 2nd April 2022

Great Product and Simple to Use

The whole process from application to acceptance was so straight forward and the app is great to keep a check on your balance and make payments. I love this and am happy to recommend to everyone. Reviewed on: 2nd April 2022

Zopa CC LMT

Brilliant easy to set up. App extremely useful and easy to navigate. Would not hesitate to recommend to family and friends. Reviewed on: 2nd April 2022

Very serious company, thanks!

Verry good experience and trust, I will recommend for my friends in case they are straggling to paying for their bills Reviewed on: 2nd April 2022

easiest card and app ever

Unlike other credit card providers who make you jump through hoops Zopa is easy. The app is simple and easy to use and you can even set a credit cushion in case of a rainy day. Really happy with my experience so far Reviewed on: 2nd April 2022

Top card

Zopa great card to have handy in your wallet Reasonable interest rate great for building up your credit if you have had problems in the past .A good start for the future Reviewed on: 2nd April 2022

Quick , easy to use, responsive and excellent service

Quick , easy to use, responsive and excellent service Reviewed on: 2nd April 2022

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