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Zopa: Credit card reviews

Name: Credit card
Rating: 4.93 (41965 reviews)

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4.93

Based on 41,965 reviews, last reviewed 23rd Jan 2026

166400% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Very good service Very good service, never any need for calling them. Reviewed on: 23rd January 2026

Latest lowest rating:

1

My credit card has been frozen due to suspicious act... My credit card has been frozen due to suspicious activity, I've checked my statement and nothing looks off, tried to get hold of Zopa all weekend with... Read more Reviewed on: 13th October 2025

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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

What is this award?

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (41965)

Absolutely perfect credit card

I got credit card really quick. All was online , easy application to save my time. Reviewed on: 26th January 2022

Fantastic card provider

Very quick and easy to apply for your card ,first class customer service very helpful. Reviewed on: 26th January 2022

Love Zopa

Zopa has helped me when I needed the cash I didn't have. The interest isn't as high as other credit cards. They also have online chat if their was to be a problem. Very nice company Reviewed on: 26th January 2022

Best Experience for a card provider

From day one, I have have had no issues with this card wherever i have used it, simple to apply and setup. Reviewed on: 26th January 2022

Superb

At last an honest credit card company. Very easy to communicate with, no nasty surprise charges, easy to use app and all round perfect. Highly recommended. Reviewed on: 26th January 2022

Perfect

It's easy to use. And team are understanding. Reviewed on: 26th January 2022

Easy to use

For my first credit card provider they have really made a good impression. Where I can easily track my spending and lower interest rates too match, Zopa is a provider that I will almost certainly stick with. That’s without mentioning the quick and easy process for paying off the card Reviewed on: 26th January 2022

Excellent app easy to follow and pay

when I first apply my for my zopa credit card it was so easy and straightforward. Reviewed on: 26th January 2022

Never had a problem and so easy to use

First credit card to build up my credit and it’s the easiest to use, will be staying with zopa Reviewed on: 26th January 2022

Excellent

The best way to build your credit score Reviewed on: 26th January 2022

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