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Zopa: Credit card reviews

View other Zopa products
4.94
Based on 44,343 reviews, last reviewed 13th May 2026
35% increase in 5 star reviews
in the past 90 days
400% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
95%
See only 4 star reviews
5%
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0%
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0%
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0%

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
Matthew S's avatar
Matthew S

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026
Rita P's avatar
Rita P
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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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Zopa Credit card reviews (44343)

Best Credit Card

5
Zopa have been great, the way they help manage my money and spending, Reviewed on: 13th January 2023
Debbie 's avatar
Debbie

Great

5
Nice credit card, easy to use, low fees and great credit limit. Reviewed on: 13th January 2023
Anonymous's avatar
Anonymous

Card

5
Very easy to apply and good to build credit score Reviewed on: 13th January 2023
Alan's avatar
Alan

Very good

5
They have help me all the way even when I fell be hind very help ful on the phone Reviewed on: 13th January 2023
Jak's avatar
Jak

Zopa Credit Card

5
Great app, which allows you to monitor your expenditure & allows to pay off outstanding balance 24 hours a day. Overall, an extremely intuitive app which is wonderful to use! Reviewed on: 13th January 2023
ehsanuhc@hotmail.com's avatar
[email protected]

Excellent service

5
I have a credit card and I have a personal loan with Zopa. I am very pleased with the all round service. Both credit card and loan application was quick, easy and an instant decision was made. I love the app, it is very easy to navigate and I take complete control of repayments and can regularly see how my credit rating is and whether further credit is available or will be in future. Zopa gave me a chance when other creditors wouldn't and I am very grateful for this because a decision you made in the past or your past, bad circumstances should not reflect on your financial future. I feel my credit rating is slowly increasing by using Zopa and I am very happy with this. I intend to grow financially with regular payments to my accounts. I intend to stay with Zopa and I am very happy to do so Reviewed on: 13th January 2023
Elizabeth Ruth Capper's avatar
Elizabeth Ruth Capper

Fantastic

5
Overall very happy with all aspects. Reviewed on: 13th January 2023
Azam Akram's avatar
Azam Akram

Easy to use

5
Interest rates are so great . Best card I ever used I would recommend this to anyone that starting off with credit card. Reviewed on: 13th January 2023
Adrian 's avatar
Adrian

Best credit card ever

5
The app is simple and clear to understand and the buffer credit function is superb and stops me overspending, love it! Of this was around when I was 18 it would have stopped me from making the Finanical errors I made that landed me with an IVA. Best card ever Reviewed on: 13th January 2023
karina.82@icloud.com's avatar
[email protected]

Very good

5
Great service and very helpfull, would highly recommend Reviewed on: 13th January 2023
steven rothwell's avatar
steven rothwell

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