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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)

Great card

Great card , which you pay off some or all at any time during the month . You don’t pay any interest proving you statement balance is £0 Reviewed on: 28th March 2022

Very satisfied by this credit card.

I never had a problem with it. Not even a single payment declined plus some additional verification when I use a new website for online purchases. Reviewed on: 28th March 2022

Perfect Credit Card

Couldn't ask for a better credit card..keeps me in check easy to use app and very helpful staff...10/10 for me Reviewed on: 28th March 2022

Nice

Awesome thanks Reviewed on: 28th March 2022

Easy App great to use

Since getting this credit card I've been able to increase my credit rating. The app is so easy to use and the amount of credit given was easily manageable. Reviewed on: 28th March 2022

Good interest rate, easy to use app, useful option to have a balance cap.

Reliable, easy to use with good interest rates. Reviewed on: 28th March 2022

Great app and service

The app is really easy to use and I like the colour of the card Reviewed on: 28th March 2022

Brilliant service

Zopa have been great since day 1. Their customer services are helpful and whenever I have had issues with money they have been there Reviewed on: 28th March 2022

A very friendly easy to use credit card.

I find that the Zopa credit card is really easy to use and the app makes thing so easy to keep track of. Would advise any of my close friends and family if they are looking for a credit card then zopa tops the market. Reviewed on: 28th March 2022

Easy to use

Easy to set up and use but their lending rules don't reflect that of other lenders. Not been offered a credit increase in over 12 months. Doesn't particlarly bother me but Zopa have offered only 5% of my other card max for no reason! I pay off my balances every month so perhaps I'm not the target market? So I end up not using the card. Oh well! Reviewed on: 28th March 2022

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