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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44332 reviews)

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4.94

Based on 44,332 reviews, last reviewed 18th Apr 2026

44% 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

My experience with Zopa has been great. My experience with Zopa has been great. Easy to navigate around the app. And no issues with making repayments to my credit card. Reviewed on: 18th April 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 (44332)

Fantastic

Very easy to apply and decision takes minutes Reviewed on: 13th January 2023

Set up

Very easy to use and simple step by step, very happy with Zopa’s service, 10 out of 10 Reviewed on: 13th January 2023

Very helpful company

Straight forward and easy to apply Reviewed on: 13th January 2023

Good support

Always available to help. Good support and a lot of options. Reviewed on: 13th January 2023

Outstanding service improvement for credit score

Applied was accepted right away 500 pound limit to start very good managing beautifully thank you Reviewed on: 13th January 2023

Good credit card provider

Good experience so far with zopa Reviewed on: 13th January 2023

Good all round provider

Everything is simple in the app really easy to use and no problems Reviewed on: 13th January 2023

Easy to sign up

The process was easy once the card was issued I used the app with out a problem customer service is good and never had a problem Reviewed on: 13th January 2023

Very good for building your credit score!

I get regular updates of my credit score and how to improve it . Reviewed on: 13th January 2023

Great company great service

Zopa accepted me even low score i pay my balances in full every month helps me and my credit score much appreciated company Thank you Reviewed on: 13th January 2023

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