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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43503 reviews)

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4.94

Based on 43,503 reviews, last reviewed 30th Mar 2026

156250% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Excellent online service, resolved all issue through... Excellent online service, resolved all issue through chatting. Low interest rates, I pay 50% less compared with other credit companies with similar bo... Read more Reviewed on: 30th March 2026

Latest lowest rating:

1

Excellent my credit was not good zopa gave a credit... Excellent my credit was not good zopa gave a credit card Reviewed on: 6th March 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 (43503)

Smart app and simply payments

The app is very handy to make payments and has some nice features Reviewed on: 29th March 2022

Great company

Exciting company doing great things in the financial sector Reviewed on: 29th March 2022

Zopa is the best credit card provider

They have good customer service Reviewed on: 29th March 2022

Zopa is great

Great customer service and amazing app that is easy to navigate and understand Reviewed on: 29th March 2022

Top notch!

Zopa is fantastic! The best thing is as soon as you pay they update your balance almost instantly! Encouraging and helps you understand clearly where you are at with your balance! No other cards I have do this! If you maintain your payments and show good use they will also give you regular reviews/balance increases. Great bank and card for me building my credit rating and highly recommended! Reviewed on: 29th March 2022

Great service

I have been able to manage my budget with the support from zoopla Reviewed on: 29th March 2022

Very good service

Always understanding customer service and friendly staff Reviewed on: 29th March 2022

Amazing!

Amazing company! Helped me get my first credit card Even fraud is amazing! Reviewed on: 29th March 2022

Simple, great rates, happy spending

The Zopa credit card gives you the flexibility to spend then spread the cost with great interest rates. Meaning I have more freedom and can make smart decisions. Easy to use and accessible app that allows you to keep on track of your spending. I couldn’t recommend it more. Reviewed on: 29th March 2022

Fantastic credit card

Great all round card, would highly recommend. Great for credit building and very user friendly app Reviewed on: 29th March 2022

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