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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)

Good fast service

Application very simple and straightforward no complaints Reviewed on: 13th January 2023

Good Credit

Good flexible credit card with good rates Reviewed on: 13th January 2023

Painless and easy to apply

Application was easy and straight forward, would highly recommend. Reviewed on: 13th January 2023

Fab company

I was offered a credit card from Zopa 2 years ago. They've increased my limit according to my spending and paying off balance, I have since been offered a loan with Zopa but I've declined as its not needed at the moment. Its good to know that they look after you when needed. They are always upfront & give plenty of notice with any fees or increases to APR. I definitely will continue to be a customer far into the future Reviewed on: 13th January 2023

Excellent service

Excellent service and good professional experience Reviewed on: 13th January 2023

Great easy Zopa

So easy to manage through the APP. All expenditure shows up instantly so you see as you go along what you have spent. Easy to make payments. Opportunities to increase limit which in turn helps to improve credit rating. Reviewed on: 13th January 2023

Low APR

Low APR and amazing service. Instant real-time data and control Reviewed on: 13th January 2023

Family friendly

Really family friendly team and simple to access and understand payments and funds available. Reviewed on: 13th January 2023

Great credit card

Great credit card.. frendly help full .best customer service Reviewed on: 13th January 2023

Amazing company very well run

I've had a zopa card for a couple of years now and it's been smooth sailing since day one..... Great service 100% recommended Reviewed on: 13th January 2023

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