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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)

Fantastic

Reviewed on: 30th March 2022

Love it

Is a lovely thing to know you can spend and putting back with no extra cost!! I personally love it. Reviewed on: 30th March 2022

Quick easy application

I experienced a smooth application process I've paid my balance of each month I've had a reasonable interest rate all I all I have recieved a great service with no bad effects to my credit report for applying Reviewed on: 30th March 2022

A fantastic banking experience

I’m so happy to have joined the zoopla family it’s bed. A fantastic banking experience Reviewed on: 30th March 2022

Easy to apply , fast answer

I needed some money and Zopa was here , and help me when I needed Reviewed on: 30th March 2022

Great credit builder

Since I have had this card my credit score has increased, this is the main reason I got this card. Reviewed on: 30th March 2022

Efficient service

Well explained simple to understand app very good efficient service managed my expectations . Reviewed on: 30th March 2022

Very professional

Very clear advice and guidance. Easy to understand. Honest and great features. Reviewed on: 30th March 2022

Very helpful and delighted with their service.

They are just brilliant. They really are the best credit card providers. I’d vote for them a thousand times over. Reviewed on: 30th March 2022

Great service

Very easy to use and interact around the app Reviewed on: 30th March 2022

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